Equal Payment vs. Equal Principal — Loan Repayment Comparison
Enter your loan amount, rate, and term to compare monthly payments and total interest of both repayment methods, and see which one saves more interest.
🏦 Loan details
1억
Optional · interest-only during the grace period
💡 Which method suits you?
If you have early repayment capacity and want to save interest, choose equal principal; if you want a steady monthly amount for budgeting, equal payment fits. Compare the total-interest gap and first-month burden below.
📊 Repayment comparison
Equal payment
Same total (principal + interest) every month
- First month
- 632,649원
- Last month
- 632,816원
- Total interest
- 51,835,927원
- Total repayment
- 151,835,927원
Equal principal
Fixed principal, decreasing interest each month
- First month
- 791,667원
- Last month
- 418,149원
- Total interest
- 45,187,440원
- Total repayment
- 145,187,440원
Monthly payment trend
Equal payment stays level; equal principal declines over time
⚠️ Notice
This calculator uses standard equal-payment and equal-principal amortization formulas and provides reference estimates only. Actual repayments vary by bank product, rate type, interest-day conventions, prepayment terms, and fees. Always confirm with your financial institution before deciding. This tool is not financial advice.
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