Japan Mortgage Calculator

A clear, easy-to-read simulator for Japanese home loans (住宅ローン).
Enter the loan amount, interest rate and term to see your monthly payment instantly.

Main features
- Real-time monthly payment (no calculate button)
- Equal-payment (annuity) and equal-principal methods
- Bonus payments (twice a year)
- Rate presets: variable, 10-year fixed, Flat 35
- Prepayment simulation (term-reduction / payment-reduction)
- Mortgage tax deduction estimate
- Variable-rate rise simulation (5-year / 125% rule)
- Refinance comparison with break-even
- Borrowing capacity from income, property-price to loan-amount
- Repayment schedule with balance chart, save & compare plans, share as image

Free, no ads, no registration, works offline. Dark mode supported.

Note: results are estimates. Please confirm the actual repayment amount with your financial institution.