Loan interest calculator

Compare equal payments, equal principal and interest-only loans. View monthly payments and export a repayment schedule.

These results use the example values shown above.

Estimated first payment

1,012,451 KRW

Total interest21,494,166 KRW

Principal + total interest121,494,166 KRW

Final payment1,012,451 KRW

Term120 months

Equal payments total interest: 21,494,166 KRW · Equal principal total interest: 20,166,667 KRW · Interest-only, balloon principal total interest: 40,000,000 KRW

Monthly repayment schedule ·120 months

Month	Principal (KRW)	Interest (KRW)	Payment (KRW)	Balance (KRW)
1	679,118	333,333	1,012,451	99,320,882
2	681,382	331,070	1,012,451	98,639,500
3	683,653	328,798	1,012,451	97,955,847
4	685,932	326,519	1,012,451	97,269,915
5	688,218	324,233	1,012,451	96,581,697
6	690,512	321,939	1,012,451	95,891,185
7	692,814	319,637	1,012,451	95,198,370
8	695,123	317,328	1,012,451	94,503,247
9	697,441	315,011	1,012,451	93,805,806
10	699,765	312,686	1,012,451	93,106,041
11	702,098	310,353	1,012,451	92,403,943
12	704,438	308,013	1,012,451	91,699,505
13	706,786	305,665	1,012,451	90,992,719
14	709,142	303,309	1,012,451	90,283,576
15	711,506	300,945	1,012,451	89,572,070
16	713,878	298,574	1,012,451	88,858,192
17	716,257	296,194	1,012,451	88,141,935
18	718,645	293,806	1,012,451	87,423,290
19	721,040	291,411	1,012,451	86,702,249
20	723,444	289,007	1,012,451	85,978,806
21	725,855	286,596	1,012,451	85,252,950
22	728,275	284,177	1,012,451	84,524,675
23	730,702	281,749	1,012,451	83,793,973
24	733,138	279,313	1,012,451	83,060,835
25	735,582	276,869	1,012,451	82,325,253
26	738,034	274,418	1,012,451	81,587,219
27	740,494	271,957	1,012,451	80,846,725
28	742,962	269,489	1,012,451	80,103,763
29	745,439	267,013	1,012,451	79,358,324
30	747,924	264,528	1,012,451	78,610,400
31	750,417	262,035	1,012,451	77,859,983
32	752,918	259,533	1,012,451	77,107,065
33	755,428	257,024	1,012,451	76,351,638
34	757,946	254,505	1,012,451	75,593,692
35	760,472	251,979	1,012,451	74,833,219
36	763,007	249,444	1,012,451	74,070,212
37	765,551	246,901	1,012,451	73,304,661
38	768,103	244,349	1,012,451	72,536,559
39	770,663	241,789	1,012,451	71,765,896
40	773,232	239,220	1,012,451	70,992,664
41	775,809	236,642	1,012,451	70,216,855
42	778,395	234,056	1,012,451	69,438,460
43	780,990	231,462	1,012,451	68,657,470
44	783,593	228,858	1,012,451	67,873,877
45	786,205	226,246	1,012,451	67,087,672
46	788,826	223,626	1,012,451	66,298,846
47	791,455	220,996	1,012,451	65,507,391
48	794,093	218,358	1,012,451	64,713,297
49	796,740	215,711	1,012,451	63,916,557
50	799,396	213,055	1,012,451	63,117,161
51	802,061	210,391	1,012,451	62,315,100
52	804,734	207,717	1,012,451	61,510,365
53	807,417	205,035	1,012,451	60,702,949
54	810,108	202,343	1,012,451	59,892,840
55	812,809	199,643	1,012,451	59,080,032
56	815,518	196,933	1,012,451	58,264,514
57	818,236	194,215	1,012,451	57,446,277
58	820,964	191,488	1,012,451	56,625,314
59	823,700	188,751	1,012,451	55,801,613
60	826,446	186,005	1,012,451	54,975,167
61	829,201	183,251	1,012,451	54,145,967
62	831,965	180,487	1,012,451	53,314,002
63	834,738	177,713	1,012,451	52,479,264
64	837,521	174,931	1,012,451	51,641,743
65	840,312	172,139	1,012,451	50,801,431
66	843,113	169,338	1,012,451	49,958,318
67	845,924	166,528	1,012,451	49,112,394
68	848,743	163,708	1,012,451	48,263,651
69	851,573	160,879	1,012,451	47,412,078
70	854,411	158,040	1,012,451	46,557,667
71	857,259	155,192	1,012,451	45,700,408
72	860,117	152,335	1,012,451	44,840,291
73	862,984	149,468	1,012,451	43,977,307
74	865,860	146,591	1,012,451	43,111,447
75	868,747	143,705	1,012,451	42,242,700
76	871,642	140,809	1,012,451	41,371,058
77	874,548	137,904	1,012,451	40,496,510
78	877,463	134,988	1,012,451	39,619,047
79	880,388	132,063	1,012,451	38,738,659
80	883,323	129,129	1,012,451	37,855,337
81	886,267	126,184	1,012,451	36,969,070
82	889,221	123,230	1,012,451	36,079,849
83	892,185	120,266	1,012,451	35,187,663
84	895,159	117,292	1,012,451	34,292,504
85	898,143	114,308	1,012,451	33,394,361
86	901,137	111,315	1,012,451	32,493,224
87	904,141	108,311	1,012,451	31,589,084
88	907,154	105,297	1,012,451	30,681,929
89	910,178	102,273	1,012,451	29,771,751
90	913,212	99,239	1,012,451	28,858,539
91	916,256	96,195	1,012,451	27,942,283
92	919,310	93,141	1,012,451	27,022,972
93	922,375	90,077	1,012,451	26,100,597
94	925,449	87,002	1,012,451	25,175,148
95	928,534	83,917	1,012,451	24,246,614
96	931,629	80,822	1,012,451	23,314,984
97	934,735	77,717	1,012,451	22,380,250
98	937,851	74,601	1,012,451	21,442,399
99	940,977	71,475	1,012,451	20,501,422
100	944,113	68,338	1,012,451	19,557,309
101	947,260	65,191	1,012,451	18,610,049
102	950,418	62,033	1,012,451	17,659,631
103	953,586	58,865	1,012,451	16,706,045
104	956,765	55,687	1,012,451	15,749,280
105	959,954	52,498	1,012,451	14,789,326
106	963,154	49,298	1,012,451	13,826,173
107	966,364	46,087	1,012,451	12,859,809
108	969,585	42,866	1,012,451	11,890,223
109	972,817	39,634	1,012,451	10,917,406
110	976,060	36,391	1,012,451	9,941,346
111	979,314	33,138	1,012,451	8,962,032
112	982,578	29,873	1,012,451	7,979,455
113	985,853	26,598	1,012,451	6,993,601
114	989,139	23,312	1,012,451	6,004,462
115	992,437	20,015	1,012,451	5,012,025
116	995,745	16,707	1,012,451	4,016,281
117	999,064	13,388	1,012,451	3,017,217
118	1,002,394	10,057	1,012,451	2,014,823
119	1,005,735	6,716	1,012,451	1,009,088
120	1,009,088	3,364	1,012,451	0

Suggest improvements

Fixed-rate monthly estimates only. Grace periods, daily accrual, changing rates and fees are not included. Confirm actual payments with your lender.

How to use Loan interest calculator

Enter the loan amount in KRW, annual rate and term in months. Compare all three repayment methods using the same inputs, then download the monthly schedule as CSV.

Equal payments keep principal plus interest level. Equal-principal loans pay the same principal each month. Interest-only loans repay the principal in the final month. Interest uses the annual rate divided by 12; displayed amounts are rounded to whole KRW.

Example
A 12,000,000 KRW loan at 0% over 12 months has payments of 1,000,000 KRW and no interest.

Frequently asked questions

Why does total interest differ?

Interest is charged on the remaining principal. Paying principal down faster reduces interest under the same rate and term.

Will this match my lender?

Payment dates, daily accrual and rounding rules may differ. This is an estimate.

Reviewed: 2026-10-04 · Report an issue