Loan Comparison Calculator
Compare up to 4 loan plans — monthly payment, total cost, and interest
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About Loan Comparison Calculator
This tool compares multiple loan plans simultaneously using the equal installment repayment method (PMT formula). It is ideal for comparing home loans, car loans, and education loans with different interest rates or repayment terms.
PMT Formula & Calculation
The PMT formula is: PMT = P × r × (1+r)^n / ((1+r)^n − 1), where P is the principal, r is the monthly rate (annual rate ÷ 12), and n is the number of monthly payments. If the interest rate is 0%, the monthly payment equals the principal divided by the number of months.
Side-by-Side Comparison
By viewing multiple loan plans side by side, you can quickly identify which plan offers the lowest monthly payment, the least total interest, or the best balance between the two. Up to 4 plans can be compared at once. The tool automatically highlights the cheapest option and shows cost differences for easy decision-making.
Extra Payments & Amortization Export
Simulate the impact of extra monthly payments (such as bonus-season prepayment) on your loan timeline and total interest. Export detailed amortization schedules in CSV format to analyze month-by-month principal and interest breakdowns for financial planning.
How to use Loan Comparison Calculator
- Enter the loan amount (in 10,000 JPY), annual interest rate (%), and repayment term (years) for each loan card.
- Click 'Add Loan' to add up to 4 plans. Remove any plan with the '×' button.
- The comparison table updates instantly. The cheapest plan (lowest monthly payment) is highlighted, and the difference from other plans is shown.
- Expand 'Additional Options' and specify extra monthly payments to see how they affect your payoff timeline and total interest in real-time.
- Click 'Export CSV' to download a summary of all plans plus the amortization schedule (first 12 months) for detailed analysis.
Benefits of Loan Comparison Calculator
- Compare up to 4 loan plans side by side to see the impact of different rates, terms, and amounts.
- Uses the standard PMT (equal installment) formula, consistent with major Japanese loan products.
- Runs entirely in your browser — free, no registration, no data sent to any server.
- Automatic highlight of the cheapest plan with difference amounts for quick decision making.
- Simulate extra monthly payments to see how bonus payments or prepayment affect your timeline and total interest.
- Export amortization schedules as CSV for detailed month-by-month analysis in Excel or other spreadsheet tools.
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