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🇯🇵 Japan · verified for the current period
Mortgage (住宅ローン) Calculator
Mortgage (住宅ローン) Calculator built around Japan rules, rates, and JPY amounts.
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Versioned calculationSee the methodology section for formula and source details.
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Payment timeline
Amortization schedule
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| Year | Principal paid | Interest paid | Total |
|---|---|---|---|
| 1 | ￥7,468 | ￥12,330 | ￥19,799 |
| 2 | ￥15,319 | ￥24,279 | ￥39,597 |
| 3 | ￥23,571 | ￥35,825 | ￥59,396 |
| 4 | ￥32,245 | ￥46,950 | ￥79,195 |
| 5 | ￥41,363 | ￥57,631 | ￥98,993 |
| 6 | ￥50,947 | ￥67,845 | ￥118,792 |
| 7 | ￥61,022 | ￥77,569 | ￥138,591 |
| 8 | ￥71,612 | ￥86,777 | ￥158,389 |
| 9 | ￥82,745 | ￥95,443 | ￥178,188 |
| 10 | ￥94,446 | ￥103,541 | ￥197,987 |
| 11 | ￥106,747 | ￥111,039 | ￥217,785 |
| 12 | ￥119,676 | ￥117,908 | ￥237,584 |
| 13 | ￥133,267 | ￥124,115 | ￥257,383 |
| 14 | ￥147,554 | ￥129,628 | ￥277,181 |
| 15 | ￥162,571 | ￥134,409 | ￥296,980 |
| 16 | ￥178,357 | ￥138,422 | ￥316,779 |
| 17 | ￥194,950 | ￥141,627 | ￥336,577 |
| 18 | ￥212,393 | ￥143,984 | ￥356,376 |
| 19 | ￥230,727 | ￥145,447 | ￥376,175 |
| 20 | ￥250,000 | ￥145,973 | ￥395,973 |
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How to use this calculator
- 1Add your current values in the units shown.
- 2Review the headline result and compare the cautious and higher views.
- 3Change one assumption at a time to understand the trade-off.
- 4Verify current Japan-specific rules before acting on the estimate.
Explore this calculator
What your result means →The headline estimated monthly payment is based on the inputs currently shown above (￥1,650).Key terms explained →Review the field labels and units above to understand exactly what each input controls.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save, share, or print your estimate.The calculation formula →The calculation follows the standard method described in the formula section below. Results update whenever an input changes.Worked example →Using the current values produces ￥1,650 as the estimated monthly payment.Assumptions and limitations →Review the assumptions and limitations noted below before relying on this estimate.Costs or factors not included →Fees, timing, eligibility, and other Japan-specific rules are not automatically included.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
Understand your result
This mortgage (住宅ローン) calculator is a localized planning experience for Japan. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.
Scenario comparison
Test realistic low, middle, and high assumptions.
Key assumptions
Fees, thresholds, timing, and personal circumstances may change the outcome.
Next step
Use an official source or qualified adviser for a decision-specific answer.
Method and limitations
This mortgage (住宅ローン) calculator is a localized planning experience for Japan. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.
Publication checklist
Formula version current. Reviewed for the period shown; scheduled review by the next rule change.
Source & review statusReview the methodology status below
Japan-specific contextValues use JPY amounts and Japan conventions.
Important noteFor planning and educational use only.
Your privacy mattersInputs remain on your device.
Official references
Rules and thresholds used by this calculator are labelled for current labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.
Frequently asked questions
Is this an official calculation?+
No. It is an independent planning estimate using the published current methodology and linked official references.
Can I compare scenarios?+
Yes. Change the inputs or select a comparison card to recompute a cautious and higher estimate.
Can I save my inputs?+
Yes. Save keeps the current scenario in this browser only and records its methodology version.
What should I check before acting?+
Confirm the current Japan rules, listed exclusions, fees, eligibility requirements, and your individual circumstances.