대출 계산기 - 원리금 상환 및 이자 시뮬레이션

This app is an informational app that provides loan calculation functions and does not directly sell or broker loan products.

[Notice: This app is an informational tool only]

This app is a simple calculator that calculates interest and repayment amounts based on user input.

It does not sell, broker, or recommend loan products, and does not provide actual loan execution functionality.

The results are estimates based on input values ​​and may differ from actual financial institution terms.

The Loan Calculator: The Beginning of a Smart Repayment Plan

This app simulates complex financial figures in an easy-to-understand manner. Simulate changes in principal and interest based on various repayment methods and create a long-term financial roadmap.

Key Simulation Features

1. Detailed Comparison by Repayment Method

Supports Equal Principal and Interest, Equal Principal, and Lump Sum Repayment at Maturity

Intuitively compares repayment amounts based on different situations to help you develop the optimal plan.

2. Estimate Repayment Ability (DSR/DTI Simulation)

This app calculates a hypothetical DSR/DTI ratio based on the income information you entered.

We provide a guide to help you determine the appropriate repayment level for your financial situation.

3. Visualized Calculation Report

Monthly repayment schedules and total interest costs are clearly displayed in graphs and tables.

Pie charts display the principal and interest ratios to understand your spending structure at a glance.

4. Record Management and Convenience Features

Save your calculations for comparison at any time.

The high-contrast UI design enhances readability, and quick number entry buttons maximize convenience.

Recommended for:

Those who need a long-term repayment plan to purchase a home.

Those who want to accurately simulate the interest structure of their current loan.

Those who want to understand in advance how spending will change under various interest rates.

[Reference: Loan Simulation Example]

Repayment Period: Minimum 12 months ~ Maximum 360 months

Example Annual Interest Rate: 3.5% ~ 15% (User Input)

Example Calculation: If you repay 100 million won at an annual interest rate of 5% for 30 years with equal principal and interest payments, the average monthly repayment is approximately 536,822 won, and the total interest is approximately 93,255,920 won. (Actual loan amounts may vary depending on the financial institution.)