대출 이자 계산기

대출금과 금리, 기간을 넣으면 상환 방식별 월 상환액과 총이자, 월별 상환 일정을 계산합니다.

2026년 10월 3일 기준

대출 상환 계산

대출금 (원)1억원 연 금리 (%) 기간 단위

원리금균등 상환 · 총이자

82,406,841원

매달 506,685원, 총 상환액 182,406,841원

세 가지 방식 비교

상환 방식	첫 달 상환액	총이자
원리금균등	506,685원	82,406,841원
원금균등	652,778원	67,687,447원
만기일시	375,000원	135,000,000원

월별 상환 일정

회차	상환액	원금	이자	남은 원금
1	506,685	131,685	375,000	99,868,315
2	506,685	132,179	374,506	99,736,136
3	506,685	132,674	374,011	99,603,462
4	506,685	133,172	373,513	99,470,290
5	506,685	133,671	373,014	99,336,619
6	506,685	134,173	372,512	99,202,446
7	506,685	134,676	372,009	99,067,770
8	506,685	135,181	371,504	98,932,589
9	506,685	135,688	370,997	98,796,901
10	506,685	136,197	370,488	98,660,704
11	506,685	136,707	369,978	98,523,997
12	506,685	137,220	369,465	98,386,777
13	506,685	137,735	368,950	98,249,042
14	506,685	138,251	368,434	98,110,791
15	506,685	138,770	367,915	97,972,021
16	506,685	139,290	367,395	97,832,731
17	506,685	139,812	366,873	97,692,919
18	506,685	140,337	366,348	97,552,582
19	506,685	140,863	365,822	97,411,719
20	506,685	141,391	365,294	97,270,328
21	506,685	141,921	364,764	97,128,407
22	506,685	142,453	364,232	96,985,954
23	506,685	142,988	363,697	96,842,966
24	506,685	143,524	363,161	96,699,442
25	506,685	144,062	362,623	96,555,380
26	506,685	144,602	362,083	96,410,778
27	506,685	145,145	361,540	96,265,633
28	506,685	145,689	360,996	96,119,944
29	506,685	146,235	360,450	95,973,709
30	506,685	146,784	359,901	95,826,925
31	506,685	147,334	359,351	95,679,591
32	506,685	147,887	358,798	95,531,704
33	506,685	148,441	358,244	95,383,263
34	506,685	148,998	357,687	95,234,265
35	506,685	149,557	357,128	95,084,708
36	506,685	150,117	356,568	94,934,591
37	506,685	150,680	356,005	94,783,911
38	506,685	151,245	355,440	94,632,666
39	506,685	151,813	354,872	94,480,853
40	506,685	152,382	354,303	94,328,471
41	506,685	152,953	353,732	94,175,518
42	506,685	153,527	353,158	94,021,991
43	506,685	154,103	352,582	93,867,888
44	506,685	154,680	352,005	93,713,208
45	506,685	155,260	351,425	93,557,948
46	506,685	155,843	350,842	93,402,105
47	506,685	156,427	350,258	93,245,678
48	506,685	157,014	349,671	93,088,664
49	506,685	157,603	349,082	92,931,061
50	506,685	158,194	348,491	92,772,867
51	506,685	158,787	347,898	92,614,080
52	506,685	159,382	347,303	92,454,698
53	506,685	159,980	346,705	92,294,718
54	506,685	160,580	346,105	92,134,138
55	506,685	161,182	345,503	91,972,956
56	506,685	161,786	344,899	91,811,170
57	506,685	162,393	344,292	91,648,777
58	506,685	163,002	343,683	91,485,775
59	506,685	163,613	343,072	91,322,162
60	506,685	164,227	342,458	91,157,935
61	506,685	164,843	341,842	90,993,092
62	506,685	165,461	341,224	90,827,631
63	506,685	166,081	340,604	90,661,550
64	506,685	166,704	339,981	90,494,846
65	506,685	167,329	339,356	90,327,517
66	506,685	167,957	338,728	90,159,560
67	506,685	168,587	338,098	89,990,973
68	506,685	169,219	337,466	89,821,754
69	506,685	169,853	336,832	89,651,901
70	506,685	170,490	336,195	89,481,411
71	506,685	171,130	335,555	89,310,281
72	506,685	171,771	334,914	89,138,510
73	506,685	172,416	334,269	88,966,094
74	506,685	173,062	333,623	88,793,032
75	506,685	173,711	332,974	88,619,321
76	506,685	174,363	332,322	88,444,958
77	506,685	175,016	331,669	88,269,942
78	506,685	175,673	331,012	88,094,269
79	506,685	176,331	330,354	87,917,938
80	506,685	176,993	329,692	87,740,945
81	506,685	177,656	329,029	87,563,289
82	506,685	178,323	328,362	87,384,966
83	506,685	178,991	327,694	87,205,975
84	506,685	179,663	327,022	87,026,312
85	506,685	180,336	326,349	86,845,976
86	506,685	181,013	325,672	86,664,963
87	506,685	181,691	324,994	86,483,272
88	506,685	182,373	324,312	86,300,899
89	506,685	183,057	323,628	86,117,842
90	506,685	183,743	322,942	85,934,099
91	506,685	184,432	322,253	85,749,667
92	506,685	185,124	321,561	85,564,543
93	506,685	185,818	320,867	85,378,725
94	506,685	186,515	320,170	85,192,210
95	506,685	187,214	319,471	85,004,996
96	506,685	187,916	318,769	84,817,080
97	506,685	188,621	318,064	84,628,459
98	506,685	189,328	317,357	84,439,131
99	506,685	190,038	316,647	84,249,093
100	506,685	190,751	315,934	84,058,342
101	506,685	191,466	315,219	83,866,876
102	506,685	192,184	314,501	83,674,692
103	506,685	192,905	313,780	83,481,787
104	506,685	193,628	313,057	83,288,159
105	506,685	194,354	312,331	83,093,805
106	506,685	195,083	311,602	82,898,722
107	506,685	195,815	310,870	82,702,907
108	506,685	196,549	310,136	82,506,358
109	506,685	197,286	309,399	82,309,072
110	506,685	198,026	308,659	82,111,046
111	506,685	198,769	307,916	81,912,277
112	506,685	199,514	307,171	81,712,763
113	506,685	200,262	306,423	81,512,501
114	506,685	201,013	305,672	81,311,488
115	506,685	201,767	304,918	81,109,721
116	506,685	202,524	304,161	80,907,197
117	506,685	203,283	303,402	80,703,914
118	506,685	204,045	302,640	80,499,869
119	506,685	204,810	301,875	80,295,059
120	506,685	205,579	301,106	80,089,480
121	506,685	206,349	300,336	79,883,131
122	506,685	207,123	299,562	79,676,008
123	506,685	207,900	298,785	79,468,108
124	506,685	208,680	298,005	79,259,428
125	506,685	209,462	297,223	79,049,966
126	506,685	210,248	296,437	78,839,718
127	506,685	211,036	295,649	78,628,682
128	506,685	211,827	294,858	78,416,855
129	506,685	212,622	294,063	78,204,233
130	506,685	213,419	293,266	77,990,814
131	506,685	214,219	292,466	77,776,595
132	506,685	215,023	291,662	77,561,572
133	506,685	215,829	290,856	77,345,743
134	506,685	216,638	290,047	77,129,105
135	506,685	217,451	289,234	76,911,654
136	506,685	218,266	288,419	76,693,388
137	506,685	219,085	287,600	76,474,303
138	506,685	219,906	286,779	76,254,397
139	506,685	220,731	285,954	76,033,666
140	506,685	221,559	285,126	75,812,107
141	506,685	222,390	284,295	75,589,717
142	506,685	223,224	283,461	75,366,493
143	506,685	224,061	282,624	75,142,432
144	506,685	224,901	281,784	74,917,531
145	506,685	225,744	280,941	74,691,787
146	506,685	226,591	280,094	74,465,196
147	506,685	227,441	279,244	74,237,755
148	506,685	228,293	278,392	74,009,462
149	506,685	229,150	277,535	73,780,312
150	506,685	230,009	276,676	73,550,303
151	506,685	230,871	275,814	73,319,432
152	506,685	231,737	274,948	73,087,695
153	506,685	232,606	274,079	72,855,089
154	506,685	233,478	273,207	72,621,611
155	506,685	234,354	272,331	72,387,257
156	506,685	235,233	271,452	72,152,024
157	506,685	236,115	270,570	71,915,909
158	506,685	237,000	269,685	71,678,909
159	506,685	237,889	268,796	71,441,020
160	506,685	238,781	267,904	71,202,239
161	506,685	239,677	267,008	70,962,562
162	506,685	240,575	266,110	70,721,987
163	506,685	241,478	265,207	70,480,509
164	506,685	242,383	264,302	70,238,126
165	506,685	243,292	263,393	69,994,834
166	506,685	244,204	262,481	69,750,630
167	506,685	245,120	261,565	69,505,510
168	506,685	246,039	260,646	69,259,471
169	506,685	246,962	259,723	69,012,509
170	506,685	247,888	258,797	68,764,621
171	506,685	248,818	257,867	68,515,803
172	506,685	249,751	256,934	68,266,052
173	506,685	250,687	255,998	68,015,365
174	506,685	251,627	255,058	67,763,738
175	506,685	252,571	254,114	67,511,167
176	506,685	253,518	253,167	67,257,649
177	506,685	254,469	252,216	67,003,180
178	506,685	255,423	251,262	66,747,757
179	506,685	256,381	250,304	66,491,376
180	506,685	257,342	249,343	66,234,034
181	506,685	258,307	248,378	65,975,727
182	506,685	259,276	247,409	65,716,451
183	506,685	260,248	246,437	65,456,203
184	506,685	261,224	245,461	65,194,979
185	506,685	262,204	244,481	64,932,775
186	506,685	263,187	243,498	64,669,588
187	506,685	264,174	242,511	64,405,414
188	506,685	265,165	241,520	64,140,249
189	506,685	266,159	240,526	63,874,090
190	506,685	267,157	239,528	63,606,933
191	506,685	268,159	238,526	63,338,774
192	506,685	269,165	237,520	63,069,609
193	506,685	270,174	236,511	62,799,435
194	506,685	271,187	235,498	62,528,248
195	506,685	272,204	234,481	62,256,044
196	506,685	273,225	233,460	61,982,819
197	506,685	274,249	232,436	61,708,570
198	506,685	275,278	231,407	61,433,292
199	506,685	276,310	230,375	61,156,982
200	506,685	277,346	229,339	60,879,636
201	506,685	278,386	228,299	60,601,250
202	506,685	279,430	227,255	60,321,820
203	506,685	280,478	226,207	60,041,342
204	506,685	281,530	225,155	59,759,812
205	506,685	282,586	224,099	59,477,226
206	506,685	283,645	223,040	59,193,581
207	506,685	284,709	221,976	58,908,872
208	506,685	285,777	220,908	58,623,095
209	506,685	286,848	219,837	58,336,247
210	506,685	287,924	218,761	58,048,323
211	506,685	289,004	217,681	57,759,319
212	506,685	290,088	216,597	57,469,231
213	506,685	291,175	215,510	57,178,056
214	506,685	292,267	214,418	56,885,789
215	506,685	293,363	213,322	56,592,426
216	506,685	294,463	212,222	56,297,963
217	506,685	295,568	211,117	56,002,395
218	506,685	296,676	210,009	55,705,719
219	506,685	297,789	208,896	55,407,930
220	506,685	298,905	207,780	55,109,025
221	506,685	300,026	206,659	54,808,999
222	506,685	301,151	205,534	54,507,848
223	506,685	302,281	204,404	54,205,567
224	506,685	303,414	203,271	53,902,153
225	506,685	304,552	202,133	53,597,601
226	506,685	305,694	200,991	53,291,907
227	506,685	306,840	199,845	52,985,067
228	506,685	307,991	198,694	52,677,076
229	506,685	309,146	197,539	52,367,930
230	506,685	310,305	196,380	52,057,625
231	506,685	311,469	195,216	51,746,156
232	506,685	312,637	194,048	51,433,519
233	506,685	313,809	192,876	51,119,710
234	506,685	314,986	191,699	50,804,724
235	506,685	316,167	190,518	50,488,557
236	506,685	317,353	189,332	50,171,204
237	506,685	318,543	188,142	49,852,661
238	506,685	319,738	186,947	49,532,923
239	506,685	320,937	185,748	49,211,986
240	506,685	322,140	184,545	48,889,846
241	506,685	323,348	183,337	48,566,498
242	506,685	324,561	182,124	48,241,937
243	506,685	325,778	180,907	47,916,159
244	506,685	326,999	179,686	47,589,160
245	506,685	328,226	178,459	47,260,934
246	506,685	329,456	177,229	46,931,478
247	506,685	330,692	175,993	46,600,786
248	506,685	331,932	174,753	46,268,854
249	506,685	333,177	173,508	45,935,677
250	506,685	334,426	172,259	45,601,251
251	506,685	335,680	171,005	45,265,571
252	506,685	336,939	169,746	44,928,632
253	506,685	338,203	168,482	44,590,429
254	506,685	339,471	167,214	44,250,958
255	506,685	340,744	165,941	43,910,214
256	506,685	342,022	164,663	43,568,192
257	506,685	343,304	163,381	43,224,888
258	506,685	344,592	162,093	42,880,296
259	506,685	345,884	160,801	42,534,412
260	506,685	347,181	159,504	42,187,231
261	506,685	348,483	158,202	41,838,748
262	506,685	349,790	156,895	41,488,958
263	506,685	351,101	155,584	41,137,857
264	506,685	352,418	154,267	40,785,439
265	506,685	353,740	152,945	40,431,699
266	506,685	355,066	151,619	40,076,633
267	506,685	356,398	150,287	39,720,235
268	506,685	357,734	148,951	39,362,501
269	506,685	359,076	147,609	39,003,425
270	506,685	360,422	146,263	38,643,003
271	506,685	361,774	144,911	38,281,229
272	506,685	363,130	143,555	37,918,099
273	506,685	364,492	142,193	37,553,607
274	506,685	365,859	140,826	37,187,748
275	506,685	367,231	139,454	36,820,517
276	506,685	368,608	138,077	36,451,909
277	506,685	369,990	136,695	36,081,919
278	506,685	371,378	135,307	35,710,541
279	506,685	372,770	133,915	35,337,771
280	506,685	374,168	132,517	34,963,603
281	506,685	375,571	131,114	34,588,032
282	506,685	376,980	129,705	34,211,052
283	506,685	378,394	128,291	33,832,658
284	506,685	379,813	126,872	33,452,845
285	506,685	381,237	125,448	33,071,608
286	506,685	382,666	124,019	32,688,942
287	506,685	384,101	122,584	32,304,841
288	506,685	385,542	121,143	31,919,299
289	506,685	386,988	119,697	31,532,311
290	506,685	388,439	118,246	31,143,872
291	506,685	389,895	116,790	30,753,977
292	506,685	391,358	115,327	30,362,619
293	506,685	392,825	113,860	29,969,794
294	506,685	394,298	112,387	29,575,496
295	506,685	395,777	110,908	29,179,719
296	506,685	397,261	109,424	28,782,458
297	506,685	398,751	107,934	28,383,707
298	506,685	400,246	106,439	27,983,461
299	506,685	401,747	104,938	27,581,714
300	506,685	403,254	103,431	27,178,460
301	506,685	404,766	101,919	26,773,694
302	506,685	406,284	100,401	26,367,410
303	506,685	407,807	98,878	25,959,603
304	506,685	409,336	97,349	25,550,267
305	506,685	410,871	95,814	25,139,396
306	506,685	412,412	94,273	24,726,984
307	506,685	413,959	92,726	24,313,025
308	506,685	415,511	91,174	23,897,514
309	506,685	417,069	89,616	23,480,445
310	506,685	418,633	88,052	23,061,812
311	506,685	420,203	86,482	22,641,609
312	506,685	421,779	84,906	22,219,830
313	506,685	423,361	83,324	21,796,469
314	506,685	424,948	81,737	21,371,521
315	506,685	426,542	80,143	20,944,979
316	506,685	428,141	78,544	20,516,838
317	506,685	429,747	76,938	20,087,091
318	506,685	431,358	75,327	19,655,733
319	506,685	432,976	73,709	19,222,757
320	506,685	434,600	72,085	18,788,157
321	506,685	436,229	70,456	18,351,928
322	506,685	437,865	68,820	17,914,063
323	506,685	439,507	67,178	17,474,556
324	506,685	441,155	65,530	17,033,401
325	506,685	442,810	63,875	16,590,591
326	506,685	444,470	62,215	16,146,121
327	506,685	446,137	60,548	15,699,984
328	506,685	447,810	58,875	15,252,174
329	506,685	449,489	57,196	14,802,685
330	506,685	451,175	55,510	14,351,510
331	506,685	452,867	53,818	13,898,643
332	506,685	454,565	52,120	13,444,078
333	506,685	456,270	50,415	12,987,808
334	506,685	457,981	48,704	12,529,827
335	506,685	459,698	46,987	12,070,129
336	506,685	461,422	45,263	11,608,707
337	506,685	463,152	43,533	11,145,555
338	506,685	464,889	41,796	10,680,666
339	506,685	466,633	40,052	10,214,033
340	506,685	468,382	38,303	9,745,651
341	506,685	470,139	36,546	9,275,512
342	506,685	471,902	34,783	8,803,610
343	506,685	473,671	33,014	8,329,939
344	506,685	475,448	31,237	7,854,491
345	506,685	477,231	29,454	7,377,260
346	506,685	479,020	27,665	6,898,240
347	506,685	480,817	25,868	6,417,423
348	506,685	482,620	24,065	5,934,803
349	506,685	484,429	22,256	5,450,374
350	506,685	486,246	20,439	4,964,128
351	506,685	488,070	18,615	4,476,058
352	506,685	489,900	16,785	3,986,158
353	506,685	491,737	14,948	3,494,421
354	506,685	493,581	13,104	3,000,840
355	506,685	495,432	11,253	2,505,408
356	506,685	497,290	9,395	2,008,118
357	506,685	499,155	7,530	1,508,963
358	506,685	501,026	5,659	1,007,937
359	506,685	502,905	3,780	505,032
360	506,926	505,032	1,894	0

상환 방식, 무엇이 다를까

원리금균등: 원금과 이자를 합친 금액을 매달 똑같이 갚습니다. 매달 나가는 돈이 일정해 생활비 계획을 세우기 쉬워 주택담보대출에서 가장 많이 씁니다.
원금균등: 원금을 매달 똑같이 나눠 갚고, 이자는 남은 원금에 붙습니다. 처음에 부담이 크지만 갈수록 줄고, 총이자는 원리금균등보다 적습니다.
만기일시: 기간 동안 이자만 내다가 마지막에 원금을 한꺼번에 갚습니다. 매달 부담은 가장 작지만 총이자는 가장 많습니다.

계산 기준

매달 이자는 남은 원금 × 연 금리 ÷ 12로 계산하고 원 단위에서 반올림했습니다. 실제 대출은 금융기관마다 일할 계산 방식, 거치 기간, 중도상환수수료, 금리 변동 여부가 달라 조금씩 차이가 납니다. 정확한 금액은 대출받을 금융기관에 확인하세요.