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Variable Rate Loan Simulator
See how a rate change could affect monthly payments, interest, and the remaining balance.
Everything runs in your browser. Nothing is sent to the server.
Current rate
- Monthly payment (first year)
- 92,414円
- Total interest
- 3,268,886円
- Total payment
- 33,268,886円
New rate
- Monthly payment (first year)
- 103,536円
- Total interest
- 7,272,983円
- Total payment
- 37,272,983円
Cumulative total repayment
Before / after yearly comparison
| Year | Current rate · Annual payment | New rate · Annual payment | Balance before | Balance after |
|---|---|---|---|---|
| 1 | 1,108,963円 | 1,242,433円 | 29,098,147円 | 29,202,097円 |
| 2 | 1,108,963円 | 1,242,433円 | 28,189,961円 | 28,392,142円 |
| 3 | 1,108,963円 | 1,242,433円 | 27,275,398円 | 27,569,954円 |
| 4 | 1,108,963円 | 1,242,433円 | 26,354,412円 | 26,735,348円 |
| 5 | 1,108,963円 | 1,242,433円 | 25,426,958円 | 25,888,137円 |
| 6 | 1,108,963円 | 1,242,433円 | 24,492,991円 | 25,028,130円 |
| 7 | 1,108,963円 | 1,242,433円 | 23,552,465円 | 24,155,133円 |
| 8 | 1,108,963円 | 1,242,433円 | 22,605,335円 | 23,268,951円 |
| 9 | 1,108,963円 | 1,242,433円 | 21,651,553円 | 22,369,385円 |
| 10 | 1,108,963円 | 1,242,433円 | 20,691,073円 | 21,456,232円 |
| 11 | 1,108,963円 | 1,242,433円 | 19,723,849円 | 20,529,287円 |
| 12 | 1,108,963円 | 1,242,433円 | 18,749,832円 | 19,588,342円 |
| 13 | 1,108,963円 | 1,242,433円 | 17,768,975円 | 18,633,186円 |
| 14 | 1,108,963円 | 1,242,433円 | 16,781,230円 | 17,663,603円 |
| 15 | 1,108,963円 | 1,242,433円 | 15,786,548円 | 16,679,376円 |
| 16 | 1,108,963円 | 1,242,433円 | 14,784,882円 | 15,680,284円 |
| 17 | 1,108,963円 | 1,242,433円 | 13,776,181円 | 14,666,102円 |
| 18 | 1,108,963円 | 1,242,433円 | 12,760,396円 | 13,636,602円 |
| 19 | 1,108,963円 | 1,242,433円 | 11,737,479円 | 12,591,553円 |
| 20 | 1,108,963円 | 1,242,433円 | 10,707,377円 | 11,530,720円 |
| 21 | 1,108,963円 | 1,242,433円 | 9,670,042円 | 10,453,865円 |
| 22 | 1,108,963円 | 1,242,433円 | 8,625,422円 | 9,360,745円 |
| 23 | 1,108,963円 | 1,242,433円 | 7,573,467円 | 8,251,115円 |
| 24 | 1,108,963円 | 1,242,433円 | 6,514,124円 | 7,124,726円 |
| 25 | 1,108,963円 | 1,242,433円 | 5,447,341円 | 5,981,325円 |
| 26 | 1,108,963円 | 1,242,433円 | 4,373,068円 | 4,820,654円 |
| 27 | 1,108,963円 | 1,242,433円 | 3,291,250円 | 3,642,453円 |
| 28 | 1,108,963円 | 1,242,433円 | 2,201,835円 | 2,446,457円 |
| 29 | 1,108,963円 | 1,242,433円 | 1,104,769円 | 1,232,397円 |
| 30 | 1,108,963円 | 1,242,433円 | 0円 | 0円 |
This is a general principal-and-interest estimate. It does not apply lender-specific rules such as five-year payment reviews or 125% caps. Confirm the result with your lender before making a decision.
What it does
Compare a plan that keeps the current rate with one that uses the new rate from now. The estimate is calculated locally and shows the payment and balance path year by year.
How to use it
- Enter your remaining balance and term.
- Enter the current and new interest rates.
- Compare the two lines and the yearly table.
Tips
- Try several new-rate scenarios to see the range of outcomes.
- Lender rules and fees can change the actual repayment schedule.
- Nothing is sent to a server.
FAQ
Does this use my bank's rules?
No. It is a general amortization estimate. Check your loan agreement and lender for the actual rules.