대출 이자 계산기: 상환 플랜

Any and Company

About this app

How much will you actually have to repay if you take out a loan? If you enter the loan amount, term, and interest rate, it displays the monthly repayment amount, total interest, and total repayment amount. If you add loans you are already repaying, you can also see when the final repayment will end.

All calculations are performed on your mobile phone. No internet access, registration, or phone number is required.

**What You Can Calculate**

■ Loan Calculator
Enter the amount, term, and annual interest rate to get the monthly repayment amount, total interest, and total repayment amount. It can be used for loans where the same amount is repaid each month, such as personal loans and auto loans.

■ Affordable Monthly Payment
Based on your income and current repayment amount, it shows the monthly payment you can afford within your budget.

■ Compare Two Conditions
Place two conditions side by side and compare them based on total costs, not just monthly repayment amounts.

■ Early Repayment
Shows how many months the term is shortened and how much interest is saved if you repay a certain amount each month.

■ Debt Burden Ratio
Check how much of your income is used for repayment and how much remains.

** Repayment Plan

Enter your current loans one by one. All you need is the remaining principal, interest rate, and monthly repayment amount. The app will create a plan for you.

• The time required to repay all loans and the interest to be paid in the future

• How the results change if you make additional monthly payments

• Two repayment orders (highest interest rate first, lowest balance first) and the costs associated with each

• Organize loans into numbered stages and display the repayment completion date for each stage

This helps you decide which loans to repay first and determine if consolidating multiple loans into one is advantageous.

The information you enter is saved only on your mobile phone and is not transmitted anywhere.

Calculation Example

If you borrow 10 million won for 36 months at an annual interest rate of 7%, the monthly repayment is approximately 309,000 won, and the total repayment is approximately 11,116,000 won. If you extend the same amount to 60 months, the monthly repayment decreases to approximately 198,000 won, but the total repayment amount becomes approximately 11,881,000 won. A longer term results in paying about 765,000 won more.

Changing the numbers immediately recalculates the result.

Included Features

• Unit Price Comparison: Check which of the two capacities is cheaper

• Principal and Interest Graph, Repayment Schedule based on Additional Repayments

What This App Does Not Do

• Does not provide loans or transfer money

• Does not accept applications or documents

• Does not display a list of financial companies or connect you with financial companies

• Does not check or change credit information

• Does not provide financial or legal consultation

Note

This app is a calculator. It is not a bank or a lender, and is not affiliated with any financial company, credit information agency, or public institution.

All results are estimates based on the numbers entered. Interest is calculated on the remaining principal (equal principal and interest repayment method) and applied by dividing the annual interest rate by 12 months. Fees, insurance premiums, and late payment interest are not included, so the actual cost of the contract may be higher. Please be sure to check your contract for the final amount.

The app is free and ad-free.

What’s new

이제 이 앱은 계산기 전용입니다. 새 플랜 탭: 가지고 있는 대출을 입력하면 언제 모두 갚게 되는지, 매달 추가 상환으로 얼마나 절약되는지, 어느 대출부터 갚아야 하는지 보여 줍니다. 상환액이 한 달 이자보다 적으면 입력 화면에서 알려 줍니다. 홈 화면이 더 단순해졌습니다. 인터넷 없이 작동하며 입력한 숫자는 휴대폰에만 남습니다.