대출 이자 계산기

대출 원금·금리·기간을 넣으면 세 가지 상환 방식의 월 납입액과 총 이자를 비교하고, 회차별 상환 스케줄을 전부 보여줍니다.

첫 달 납입액

1,520,056원

총 이자

247,220,123원

총 상환액

547,220,123원

마지막 달 납입액

1,520,019원

총 547,220,123원을 갚습니다. 그중 이자가 이만큼입니다

원금 300,000,000원 54.8%
이자 247,220,123원 45.2%

계산 과정

각 줄이 어떤 식으로 나왔는지, 무엇에 근거했는지 그대로 적었습니다.

상환 방식 매월 원금+이자 합계가 같도록 고정. 초기엔 이자 비중이 크다.	원리금균등상환
월 이자율	4.5000% ÷ 12 = 0.3750%
첫 달 이자 대출잔액 × 월 이자율	1,125,000원
첫 달 원금 납입액 − 이자	395,056원
총 이자	247,220,123원
총 상환액 원금 300,000,000원 + 이자	547,220,123원

회차별 상환 스케줄 (360행) 펼쳐보기

회차	납입액	원금	이자	잔액
1	1,520,056	395,056	1,125,000	299,604,944
2	1,520,056	396,537	1,123,519	299,208,407
3	1,520,056	398,024	1,122,032	298,810,383
4	1,520,056	399,517	1,120,539	298,410,866
5	1,520,056	401,015	1,119,041	298,009,851
6	1,520,056	402,519	1,117,537	297,607,332
7	1,520,056	404,029	1,116,027	297,203,303
8	1,520,056	405,544	1,114,512	296,797,759
9	1,520,056	407,064	1,112,992	296,390,695
10	1,520,056	408,591	1,111,465	295,982,104
11	1,520,056	410,123	1,109,933	295,571,981
12	1,520,056	411,661	1,108,395	295,160,320
13	1,520,056	413,205	1,106,851	294,747,115
14	1,520,056	414,754	1,105,302	294,332,361
15	1,520,056	416,310	1,103,746	293,916,051
16	1,520,056	417,871	1,102,185	293,498,180
17	1,520,056	419,438	1,100,618	293,078,742
18	1,520,056	421,011	1,099,045	292,657,731
19	1,520,056	422,590	1,097,466	292,235,141
20	1,520,056	424,174	1,095,882	291,810,967
21	1,520,056	425,765	1,094,291	291,385,202
22	1,520,056	427,361	1,092,695	290,957,841
23	1,520,056	428,964	1,091,092	290,528,877
24	1,520,056	430,573	1,089,483	290,098,304
25	1,520,056	432,187	1,087,869	289,666,117
26	1,520,056	433,808	1,086,248	289,232,309
27	1,520,056	435,435	1,084,621	288,796,874
28	1,520,056	437,068	1,082,988	288,359,806
29	1,520,056	438,707	1,081,349	287,921,099
30	1,520,056	440,352	1,079,704	287,480,747
31	1,520,056	442,003	1,078,053	287,038,744
32	1,520,056	443,661	1,076,395	286,595,083
33	1,520,056	445,324	1,074,732	286,149,759
34	1,520,056	446,994	1,073,062	285,702,765
35	1,520,056	448,671	1,071,385	285,254,094
36	1,520,056	450,353	1,069,703	284,803,741
37	1,520,056	452,042	1,068,014	284,351,699
38	1,520,056	453,737	1,066,319	283,897,962
39	1,520,056	455,439	1,064,617	283,442,523
40	1,520,056	457,147	1,062,909	282,985,376
41	1,520,056	458,861	1,061,195	282,526,515
42	1,520,056	460,582	1,059,474	282,065,933
43	1,520,056	462,309	1,057,747	281,603,624
44	1,520,056	464,042	1,056,014	281,139,582
45	1,520,056	465,783	1,054,273	280,673,799
46	1,520,056	467,529	1,052,527	280,206,270
47	1,520,056	469,282	1,050,774	279,736,988
48	1,520,056	471,042	1,049,014	279,265,946
49	1,520,056	472,809	1,047,247	278,793,137
50	1,520,056	474,582	1,045,474	278,318,555
51	1,520,056	476,361	1,043,695	277,842,194
52	1,520,056	478,148	1,041,908	277,364,046
53	1,520,056	479,941	1,040,115	276,884,105
54	1,520,056	481,741	1,038,315	276,402,364
55	1,520,056	483,547	1,036,509	275,918,817
56	1,520,056	485,360	1,034,696	275,433,457
57	1,520,056	487,181	1,032,875	274,946,276
58	1,520,056	489,007	1,031,049	274,457,269
59	1,520,056	490,841	1,029,215	273,966,428
60	1,520,056	492,682	1,027,374	273,473,746
61	1,520,056	494,529	1,025,527	272,979,217
62	1,520,056	496,384	1,023,672	272,482,833
63	1,520,056	498,245	1,021,811	271,984,588
64	1,520,056	500,114	1,019,942	271,484,474
65	1,520,056	501,989	1,018,067	270,982,485
66	1,520,056	503,872	1,016,184	270,478,613
67	1,520,056	505,761	1,014,295	269,972,852
68	1,520,056	507,658	1,012,398	269,465,194
69	1,520,056	509,562	1,010,494	268,955,632
70	1,520,056	511,472	1,008,584	268,444,160
71	1,520,056	513,390	1,006,666	267,930,770
72	1,520,056	515,316	1,004,740	267,415,454
73	1,520,056	517,248	1,002,808	266,898,206
74	1,520,056	519,188	1,000,868	266,379,018
75	1,520,056	521,135	998,921	265,857,883
76	1,520,056	523,089	996,967	265,334,794
77	1,520,056	525,051	995,005	264,809,743
78	1,520,056	527,019	993,037	264,282,724
79	1,520,056	528,996	991,060	263,753,728
80	1,520,056	530,980	989,076	263,222,748
81	1,520,056	532,971	987,085	262,689,777
82	1,520,056	534,969	985,087	262,154,808
83	1,520,056	536,975	983,081	261,617,833
84	1,520,056	538,989	981,067	261,078,844
85	1,520,056	541,010	979,046	260,537,834
86	1,520,056	543,039	977,017	259,994,795
87	1,520,056	545,076	974,980	259,449,719
88	1,520,056	547,120	972,936	258,902,599
89	1,520,056	549,171	970,885	258,353,428
90	1,520,056	551,231	968,825	257,802,197
91	1,520,056	553,298	966,758	257,248,899
92	1,520,056	555,373	964,683	256,693,526
93	1,520,056	557,455	962,601	256,136,071
94	1,520,056	559,546	960,510	255,576,525
95	1,520,056	561,644	958,412	255,014,881
96	1,520,056	563,750	956,306	254,451,131
97	1,520,056	565,864	954,192	253,885,267
98	1,520,056	567,986	952,070	253,317,281
99	1,520,056	570,116	949,940	252,747,165
100	1,520,056	572,254	947,802	252,174,911
101	1,520,056	574,400	945,656	251,600,511
102	1,520,056	576,554	943,502	251,023,957
103	1,520,056	578,716	941,340	250,445,241
104	1,520,056	580,886	939,170	249,864,355
105	1,520,056	583,065	936,991	249,281,290
106	1,520,056	585,251	934,805	248,696,039
107	1,520,056	587,446	932,610	248,108,593
108	1,520,056	589,649	930,407	247,518,944
109	1,520,056	591,860	928,196	246,927,084
110	1,520,056	594,079	925,977	246,333,005
111	1,520,056	596,307	923,749	245,736,698
112	1,520,056	598,543	921,513	245,138,155
113	1,520,056	600,788	919,268	244,537,367
114	1,520,056	603,041	917,015	243,934,326
115	1,520,056	605,302	914,754	243,329,024
116	1,520,056	607,572	912,484	242,721,452
117	1,520,056	609,851	910,205	242,111,601
118	1,520,056	612,137	907,919	241,499,464
119	1,520,056	614,433	905,623	240,885,031
120	1,520,056	616,737	903,319	240,268,294
121	1,520,056	619,050	901,006	239,649,244
122	1,520,056	621,371	898,685	239,027,873
123	1,520,056	623,701	896,355	238,404,172
124	1,520,056	626,040	894,016	237,778,132
125	1,520,056	628,388	891,668	237,149,744
126	1,520,056	630,744	889,312	236,519,000
127	1,520,056	633,110	886,946	235,885,890
128	1,520,056	635,484	884,572	235,250,406
129	1,520,056	637,867	882,189	234,612,539
130	1,520,056	640,259	879,797	233,972,280
131	1,520,056	642,660	877,396	233,329,620
132	1,520,056	645,070	874,986	232,684,550
133	1,520,056	647,489	872,567	232,037,061
134	1,520,056	649,917	870,139	231,387,144
135	1,520,056	652,354	867,702	230,734,790
136	1,520,056	654,801	865,255	230,079,989
137	1,520,056	657,256	862,800	229,422,733
138	1,520,056	659,721	860,335	228,763,012
139	1,520,056	662,195	857,861	228,100,817
140	1,520,056	664,678	855,378	227,436,139
141	1,520,056	667,170	852,886	226,768,969
142	1,520,056	669,672	850,384	226,099,297
143	1,520,056	672,184	847,872	225,427,113
144	1,520,056	674,704	845,352	224,752,409
145	1,520,056	677,234	842,822	224,075,175
146	1,520,056	679,774	840,282	223,395,401
147	1,520,056	682,323	837,733	222,713,078
148	1,520,056	684,882	835,174	222,028,196
149	1,520,056	687,450	832,606	221,340,746
150	1,520,056	690,028	830,028	220,650,718
151	1,520,056	692,616	827,440	219,958,102
152	1,520,056	695,213	824,843	219,262,889
153	1,520,056	697,820	822,236	218,565,069
154	1,520,056	700,437	819,619	217,864,632
155	1,520,056	703,064	816,992	217,161,568
156	1,520,056	705,700	814,356	216,455,868
157	1,520,056	708,346	811,710	215,747,522
158	1,520,056	711,003	809,053	215,036,519
159	1,520,056	713,669	806,387	214,322,850
160	1,520,056	716,345	803,711	213,606,505
161	1,520,056	719,032	801,024	212,887,473
162	1,520,056	721,728	798,328	212,165,745
163	1,520,056	724,434	795,622	211,441,311
164	1,520,056	727,151	792,905	210,714,160
165	1,520,056	729,878	790,178	209,984,282
166	1,520,056	732,615	787,441	209,251,667
167	1,520,056	735,362	784,694	208,516,305
168	1,520,056	738,120	781,936	207,778,185
169	1,520,056	740,888	779,168	207,037,297
170	1,520,056	743,666	776,390	206,293,631
171	1,520,056	746,455	773,601	205,547,176
172	1,520,056	749,254	770,802	204,797,922
173	1,520,056	752,064	767,992	204,045,858
174	1,520,056	754,884	765,172	203,290,974
175	1,520,056	757,715	762,341	202,533,259
176	1,520,056	760,556	759,500	201,772,703
177	1,520,056	763,408	756,648	201,009,295
178	1,520,056	766,271	753,785	200,243,024
179	1,520,056	769,145	750,911	199,473,879
180	1,520,056	772,029	748,027	198,701,850
181	1,520,056	774,924	745,132	197,926,926
182	1,520,056	777,830	742,226	197,149,096
183	1,520,056	780,747	739,309	196,368,349
184	1,520,056	783,675	736,381	195,584,674
185	1,520,056	786,613	733,443	194,798,061
186	1,520,056	789,563	730,493	194,008,498
187	1,520,056	792,524	727,532	193,215,974
188	1,520,056	795,496	724,560	192,420,478
189	1,520,056	798,479	721,577	191,621,999
190	1,520,056	801,474	718,582	190,820,525
191	1,520,056	804,479	715,577	190,016,046
192	1,520,056	807,496	712,560	189,208,550
193	1,520,056	810,524	709,532	188,398,026
194	1,520,056	813,563	706,493	187,584,463
195	1,520,056	816,614	703,442	186,767,849
196	1,520,056	819,677	700,379	185,948,172
197	1,520,056	822,750	697,306	185,125,422
198	1,520,056	825,836	694,220	184,299,586
199	1,520,056	828,933	691,123	183,470,653
200	1,520,056	832,041	688,015	182,638,612
201	1,520,056	835,161	684,895	181,803,451
202	1,520,056	838,293	681,763	180,965,158
203	1,520,056	841,437	678,619	180,123,721
204	1,520,056	844,592	675,464	179,279,129
205	1,520,056	847,759	672,297	178,431,370
206	1,520,056	850,938	669,118	177,580,432
207	1,520,056	854,129	665,927	176,726,303
208	1,520,056	857,332	662,724	175,868,971
209	1,520,056	860,547	659,509	175,008,424
210	1,520,056	863,774	656,282	174,144,650
211	1,520,056	867,014	653,042	173,277,636
212	1,520,056	870,265	649,791	172,407,371
213	1,520,056	873,528	646,528	171,533,843
214	1,520,056	876,804	643,252	170,657,039
215	1,520,056	880,092	639,964	169,776,947
216	1,520,056	883,392	636,664	168,893,555
217	1,520,056	886,705	633,351	168,006,850
218	1,520,056	890,030	630,026	167,116,820
219	1,520,056	893,368	626,688	166,223,452
220	1,520,056	896,718	623,338	165,326,734
221	1,520,056	900,081	619,975	164,426,653
222	1,520,056	903,456	616,600	163,523,197
223	1,520,056	906,844	613,212	162,616,353
224	1,520,056	910,245	609,811	161,706,108
225	1,520,056	913,658	606,398	160,792,450
226	1,520,056	917,084	602,972	159,875,366
227	1,520,056	920,523	599,533	158,954,843
228	1,520,056	923,975	596,081	158,030,868
229	1,520,056	927,440	592,616	157,103,428
230	1,520,056	930,918	589,138	156,172,510
231	1,520,056	934,409	585,647	155,238,101
232	1,520,056	937,913	582,143	154,300,188
233	1,520,056	941,430	578,626	153,358,758
234	1,520,056	944,961	575,095	152,413,797
235	1,520,056	948,504	571,552	151,465,293
236	1,520,056	952,061	567,995	150,513,232
237	1,520,056	955,631	564,425	149,557,601
238	1,520,056	959,215	560,841	148,598,386
239	1,520,056	962,812	557,244	147,635,574
240	1,520,056	966,423	553,633	146,669,151
241	1,520,056	970,047	550,009	145,699,104
242	1,520,056	973,684	546,372	144,725,420
243	1,520,056	977,336	542,720	143,748,084
244	1,520,056	981,001	539,055	142,767,083
245	1,520,056	984,679	535,377	141,782,404
246	1,520,056	988,372	531,684	140,794,032
247	1,520,056	992,078	527,978	139,801,954
248	1,520,056	995,799	524,257	138,806,155
249	1,520,056	999,533	520,523	137,806,622
250	1,520,056	1,003,281	516,775	136,803,341
251	1,520,056	1,007,043	513,013	135,796,298
252	1,520,056	1,010,820	509,236	134,785,478
253	1,520,056	1,014,610	505,446	133,770,868
254	1,520,056	1,018,415	501,641	132,752,453
255	1,520,056	1,022,234	497,822	131,730,219
256	1,520,056	1,026,068	493,988	130,704,151
257	1,520,056	1,029,915	490,141	129,674,236
258	1,520,056	1,033,778	486,278	128,640,458
259	1,520,056	1,037,654	482,402	127,602,804
260	1,520,056	1,041,545	478,511	126,561,259
261	1,520,056	1,045,451	474,605	125,515,808
262	1,520,056	1,049,372	470,684	124,466,436
263	1,520,056	1,053,307	466,749	123,413,129
264	1,520,056	1,057,257	462,799	122,355,872
265	1,520,056	1,061,221	458,835	121,294,651
266	1,520,056	1,065,201	454,855	120,229,450
267	1,520,056	1,069,196	450,860	119,160,254
268	1,520,056	1,073,205	446,851	118,087,049
269	1,520,056	1,077,230	442,826	117,009,819
270	1,520,056	1,081,269	438,787	115,928,550
271	1,520,056	1,085,324	434,732	114,843,226
272	1,520,056	1,089,394	430,662	113,753,832
273	1,520,056	1,093,479	426,577	112,660,353
274	1,520,056	1,097,580	422,476	111,562,773
275	1,520,056	1,101,696	418,360	110,461,077
276	1,520,056	1,105,827	414,229	109,355,250
277	1,520,056	1,109,974	410,082	108,245,276
278	1,520,056	1,114,136	405,920	107,131,140
279	1,520,056	1,118,314	401,742	106,012,826
280	1,520,056	1,122,508	397,548	104,890,318
281	1,520,056	1,126,717	393,339	103,763,601
282	1,520,056	1,130,942	389,114	102,632,659
283	1,520,056	1,135,184	384,872	101,497,475
284	1,520,056	1,139,440	380,616	100,358,035
285	1,520,056	1,143,713	376,343	99,214,322
286	1,520,056	1,148,002	372,054	98,066,320
287	1,520,056	1,152,307	367,749	96,914,013
288	1,520,056	1,156,628	363,428	95,757,385
289	1,520,056	1,160,966	359,090	94,596,419
290	1,520,056	1,165,319	354,737	93,431,100
291	1,520,056	1,169,689	350,367	92,261,411
292	1,520,056	1,174,076	345,980	91,087,335
293	1,520,056	1,178,478	341,578	89,908,857
294	1,520,056	1,182,898	337,158	88,725,959
295	1,520,056	1,187,334	332,722	87,538,625
296	1,520,056	1,191,786	328,270	86,346,839
297	1,520,056	1,196,255	323,801	85,150,584
298	1,520,056	1,200,741	319,315	83,949,843
299	1,520,056	1,205,244	314,812	82,744,599
300	1,520,056	1,209,764	310,292	81,534,835
301	1,520,056	1,214,300	305,756	80,320,535
302	1,520,056	1,218,854	301,202	79,101,681
303	1,520,056	1,223,425	296,631	77,878,256
304	1,520,056	1,228,013	292,043	76,650,243
305	1,520,056	1,232,618	287,438	75,417,625
306	1,520,056	1,237,240	282,816	74,180,385
307	1,520,056	1,241,880	278,176	72,938,505
308	1,520,056	1,246,537	273,519	71,691,968
309	1,520,056	1,251,211	268,845	70,440,757
310	1,520,056	1,255,903	264,153	69,184,854
311	1,520,056	1,260,613	259,443	67,924,241
312	1,520,056	1,265,340	254,716	66,658,901
313	1,520,056	1,270,085	249,971	65,388,816
314	1,520,056	1,274,848	245,208	64,113,968
315	1,520,056	1,279,629	240,427	62,834,339
316	1,520,056	1,284,427	235,629	61,549,912
317	1,520,056	1,289,244	230,812	60,260,668
318	1,520,056	1,294,078	225,978	58,966,590
319	1,520,056	1,298,931	221,125	57,667,659
320	1,520,056	1,303,802	216,254	56,363,857
321	1,520,056	1,308,692	211,364	55,055,165
322	1,520,056	1,313,599	206,457	53,741,566
323	1,520,056	1,318,525	201,531	52,423,041
324	1,520,056	1,323,470	196,586	51,099,571
325	1,520,056	1,328,433	191,623	49,771,138
326	1,520,056	1,333,414	186,642	48,437,724
327	1,520,056	1,338,415	181,641	47,099,309
328	1,520,056	1,343,434	176,622	45,755,875
329	1,520,056	1,348,471	171,585	44,407,404
330	1,520,056	1,353,528	166,528	43,053,876
331	1,520,056	1,358,604	161,452	41,695,272
332	1,520,056	1,363,699	156,357	40,331,573
333	1,520,056	1,368,813	151,243	38,962,760
334	1,520,056	1,373,946	146,110	37,588,814
335	1,520,056	1,379,098	140,958	36,209,716
336	1,520,056	1,384,270	135,786	34,825,446
337	1,520,056	1,389,461	130,595	33,435,985
338	1,520,056	1,394,671	125,385	32,041,314
339	1,520,056	1,399,901	120,155	30,641,413
340	1,520,056	1,405,151	114,905	29,236,262
341	1,520,056	1,410,420	109,636	27,825,842
342	1,520,056	1,415,709	104,347	26,410,133
343	1,520,056	1,421,018	99,038	24,989,115
344	1,520,056	1,426,347	93,709	23,562,768
345	1,520,056	1,431,696	88,360	22,131,072
346	1,520,056	1,437,064	82,992	20,694,008
347	1,520,056	1,442,453	77,603	19,251,555
348	1,520,056	1,447,863	72,193	17,803,692
349	1,520,056	1,453,292	66,764	16,350,400
350	1,520,056	1,458,742	61,314	14,891,658
351	1,520,056	1,464,212	55,844	13,427,446
352	1,520,056	1,469,703	50,353	11,957,743
353	1,520,056	1,475,214	44,842	10,482,529
354	1,520,056	1,480,747	39,309	9,001,782
355	1,520,056	1,486,299	33,757	7,515,483
356	1,520,056	1,491,873	28,183	6,023,610
357	1,520,056	1,497,467	22,589	4,526,143
358	1,520,056	1,503,083	16,973	3,023,060
359	1,520,056	1,508,720	11,336	1,514,340
360	1,520,019	1,514,340	5,679	0

중도상환수수료, 인지세, 근저당 설정비 등 부대비용은 반영하지 않았습니다.
변동금리 대출이라면 금리가 바뀔 때마다 남은 회차의 납입액이 다시 계산됩니다. 이 표는 금리가 끝까지 고정된다고 가정합니다.
거치기간(원금 상환을 미루는 기간)은 반영하지 않았습니다.

자주 묻는 질문

원리금균등과 원금균등 중 뭐가 유리한가요?

총 이자만 보면 원금균등이 항상 적습니다. 원금을 초반에 더 많이 갚아 잔액이 빨리 줄기 때문입니다. 대신 초기 부담이 큽니다. 매달 나가는 돈을 예측하기 쉬운 쪽을 원하면 원리금균등, 이자를 아끼고 초기 부담을 감당할 수 있으면 원금균등이 낫습니다.

월 이자율은 어떻게 계산되나요?

연 이자율을 12로 나눕니다. 연 4.5%면 월 0.375%이고, 이 이율이 매달 남은 대출 잔액에 붙습니다.

중도상환하면 이자를 얼마나 아끼나요?

남은 기간의 이자가 통째로 사라지므로 절감액이 큽니다. 다만 보통 3년 이내 중도상환에는 수수료(잔액의 0.5~1.4%)가 붙으므로, 절감되는 이자와 수수료를 비교해야 합니다.

함께 보면 좋은 계산기

이 계산기는 2026년 기준 법령·고시를 반영한 참고용 도구입니다. 개인의 공제 항목과 사업장 사정에 따라 실제 금액은 달라질 수 있으며, 계산 결과에 법적 효력은 없습니다. 계산 로직 전체는 GitHub 에 공개돼 있어 직접 검증할 수 있습니다.