住宅ローン完済計算ツール
The detailed guide below is currently available in English.
Why small extra payments matter
Every extra dollar goes straight to principal, which stops future interest from accruing on that dollar. Early in a loan the balance is at its largest, so an extra payment made in the first years removes far more interest than the same amount added in the final years. The comparison above runs both schedules month by month so the savings are measured, not guessed.
よくある質問
Should I pay extra on my mortgage or invest instead?
Paying extra earns a guaranteed return equal to your mortgage rate, while investing carries market risk but historically higher expected returns. Consider your rate, emergency fund, tax situation, and risk tolerance before choosing.
Do biweekly payments work like extra payments?
Paying half your payment every two weeks produces 13 full payments a year instead of 12 — roughly one extra monthly payment annually. Enter that difference as the extra payment here to see the same effect.