SmartCalcy.Jawapan pantas untuk kiraan harian
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Pinjaman rumah & hartanah

Kalkulator jadual pelunasan

Jadual pinjaman penuh yang menunjukkan bagaimana setiap bayaran dibahagikan antara faedah dan prinsipal, dengan bayaran tambahan.

£
% setahun
tahun
Panjang the loan inci tahun
£

Tentang Kalkulator jadual pelunasan

Jadual pinjaman penuh yang menunjukkan bagaimana setiap bayaran dibahagikan antara faedah dan prinsipal, dengan bayaran tambahan.

Sebahagian daripada bahagian “Pinjaman rumah & hartanah” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.

Cara menggunakan Kalkulator jadual pelunasan

Apa yang dikira dan bila menggunakannya

Jadual amortisasi menunjukkan bagaimana setiap bayaran bagi pinjaman berkadar tetap dibahagikan antara faedah dan prinsipal. Gunakannya untuk melihat betapa perlahannya baki berkurang pada tahun-tahun awal, mencari tarikh bayaran terakhir anda dan menguji kesan membayar lebih setiap bulan.

Cara menggunakannya, langkah demi langkah

  1. Masukkan jumlah yang anda pinjam, kadar faedah tahunan dan tempoh dalam tahun.
  2. Tambah amaun bulanan tambahan jika anda bercadang membayar lebih.
  3. Pilih bulan bayaran pertama anda supaya jadual menunjukkan tarikh sebenar.
  4. Baca bayaran, jumlah faedah dan bulan bayaran terakhir, kemudian buka jadual tahun demi tahun atau bulan demi bulan.

Soalan lazim

Mengapa begitu sedikit bayaran awal saya ialah prinsipal?

Faedah dikenakan pada keseluruhan baki, yang paling besar pada permulaan. Apabila baki berkurang, bahagian faedah turut berkurang dan lebih banyak daripada bayaran yang sama digunakan untuk prinsipal.

Apakah yang berlaku pada kadar sifar?

Setiap bayaran ialah prinsipal. Bayaran ialah pinjaman dibahagi dengan bilangan bulan.

Adakah bayaran tambahan memendekkan tempoh atau mengurangkan bayaran?

Di sini ia memendekkan tempoh, kerana bayaran kekal sama. Sesetengah pemberi pinjaman membenarkan anda memilih untuk mengurangkan bayaran sebaliknya.

Alat berkaitan

Bayaran bulanan
£1,896.20
360 bayaran · £682,633.47 keseluruhan
Jumlah dipinjam £300,000Faedah £382,633

Butiran

Jumlah faedah
£382,633.47
Jumlah dibayar balik
£682,633.47
Final payment
Oktober 2056

Tahun demi tahun

TahunPrinsipalFaedahBaki
1£3,353£19,401£296,647
2£3,578£19,177£293,069
3£3,817£18,937£289,252
4£4,073£18,681£285,179
5£4,346£18,409£280,833
6£4,637£18,118£276,196
7£4,947£17,807£271,249
8£5,279£17,476£265,970
9£5,632£17,122£260,338
10£6,009£16,745£254,328
11£6,412£16,343£247,916
12£6,841£15,913£241,075
13£7,299£15,455£233,776
14£7,788£14,966£225,987
15£8,310£14,445£217,677
16£8,866£13,888£208,811
17£9,460£13,294£199,351
18£10,094£12,661£189,257
19£10,770£11,985£178,487
20£11,491£11,263£166,996
21£12,261£10,494£154,735
22£13,082£9,673£141,653
23£13,958£8,797£127,695
24£14,893£7,862£112,803
25£15,890£6,864£96,912
26£16,954£5,800£79,958
27£18,090£4,665£61,868
28£19,301£3,453£42,567
29£20,594£2,161£21,973
30£21,973£781£0
Tunjukkan the month-by-month schedule
BulanPrinsipalFaedahBaki
Nov 2026£271.20£1,625.00£299,728.80
Dis 2026£272.67£1,623.53£299,456.12
Jan 2027£274.15£1,622.05£299,181.97
Feb 2027£275.64£1,620.57£298,906.34
Mac 2027£277.13£1,619.08£298,629.21
Apr 2027£278.63£1,617.57£298,350.58
Mei 2027£280.14£1,616.07£298,070.44
Jun 2027£281.66£1,614.55£297,788.79
Jul 2027£283.18£1,613.02£297,505.60
Ogo 2027£284.72£1,611.49£297,220.89
Sep 2027£286.26£1,609.95£296,934.63
Okt 2027£287.81£1,608.40£296,646.82
Nov 2027£289.37£1,606.84£296,357.46
Dis 2027£290.93£1,605.27£296,066.52
Jan 2028£292.51£1,603.69£295,774.01
Feb 2028£294.09£1,602.11£295,479.92
Mac 2028£295.69£1,600.52£295,184.23
Apr 2028£297.29£1,598.91£294,886.94
Mei 2028£298.90£1,597.30£294,588.04
Jun 2028£300.52£1,595.69£294,287.52
Jul 2028£302.15£1,594.06£293,985.37
Ogo 2028£303.78£1,592.42£293,681.59
Sep 2028£305.43£1,590.78£293,376.16
Okt 2028£307.08£1,589.12£293,069.08
Nov 2028£308.75£1,587.46£292,760.33
Dis 2028£310.42£1,585.79£292,449.91
Jan 2029£312.10£1,584.10£292,137.81
Feb 2029£313.79£1,582.41£291,824.02
Mac 2029£315.49£1,580.71£291,508.53
Apr 2029£317.20£1,579.00£291,191.33
Mei 2029£318.92£1,577.29£290,872.41
Jun 2029£320.65£1,575.56£290,551.77
Jul 2029£322.38£1,573.82£290,229.39
Ogo 2029£324.13£1,572.08£289,905.26
Sep 2029£325.88£1,570.32£289,579.37
Okt 2029£327.65£1,568.55£289,251.73
Nov 2029£329.42£1,566.78£288,922.30
Dis 2029£331.21£1,565.00£288,591.09
Jan 2030£333.00£1,563.20£288,258.09
Feb 2030£334.81£1,561.40£287,923.29
Mac 2030£336.62£1,559.58£287,586.67
Apr 2030£338.44£1,557.76£287,248.22
Mei 2030£340.28£1,555.93£286,907.95
Jun 2030£342.12£1,554.08£286,565.83
Jul 2030£343.97£1,552.23£286,221.85
Ogo 2030£345.84£1,550.37£285,876.02
Sep 2030£347.71£1,548.50£285,528.31
Okt 2030£349.59£1,546.61£285,178.72
Nov 2030£351.49£1,544.72£284,827.23
Dis 2030£353.39£1,542.81£284,473.84
Jan 2031£355.30£1,540.90£284,118.54
Feb 2031£357.23£1,538.98£283,761.31
Mac 2031£359.16£1,537.04£283,402.15
Apr 2031£361.11£1,535.09£283,041.04
Mei 2031£363.07£1,533.14£282,677.97
Jun 2031£365.03£1,531.17£282,312.94
Jul 2031£367.01£1,529.20£281,945.93
Ogo 2031£369.00£1,527.21£281,576.93
Sep 2031£371.00£1,525.21£281,205.94
Okt 2031£373.01£1,523.20£280,832.93
Nov 2031£375.03£1,521.18£280,457.91
Dis 2031£377.06£1,519.15£280,080.85
Jan 2032£379.10£1,517.10£279,701.75
Feb 2032£381.15£1,515.05£279,320.60
Mac 2032£383.22£1,512.99£278,937.38
Apr 2032£385.29£1,510.91£278,552.09
Mei 2032£387.38£1,508.82£278,164.71
Jun 2032£389.48£1,506.73£277,775.23
Jul 2032£391.59£1,504.62£277,383.64
Ogo 2032£393.71£1,502.49£276,989.93
Sep 2032£395.84£1,500.36£276,594.09
Okt 2032£397.99£1,498.22£276,196.10
Nov 2032£400.14£1,496.06£275,795.96
Dis 2032£402.31£1,493.89£275,393.65
Jan 2033£404.49£1,491.72£274,989.16
Feb 2033£406.68£1,489.52£274,582.48
Mac 2033£408.88£1,487.32£274,173.60
Apr 2033£411.10£1,485.11£273,762.50
Mei 2033£413.32£1,482.88£273,349.18
Jun 2033£415.56£1,480.64£272,933.62
Jul 2033£417.81£1,478.39£272,515.80
Ogo 2033£420.08£1,476.13£272,095.73
Sep 2033£422.35£1,473.85£271,673.37
Okt 2033£424.64£1,471.56£271,248.73
Nov 2033£426.94£1,469.26£270,821.79
Dis 2033£429.25£1,466.95£270,392.54
Jan 2034£431.58£1,464.63£269,960.96
Feb 2034£433.92£1,462.29£269,527.05
Mac 2034£436.27£1,459.94£269,090.78
Apr 2034£438.63£1,457.58£268,652.15
Mei 2034£441.00£1,455.20£268,211.15
Jun 2034£443.39£1,452.81£267,767.75
Jul 2034£445.80£1,450.41£267,321.96
Ogo 2034£448.21£1,447.99£266,873.75
Sep 2034£450.64£1,445.57£266,423.11
Okt 2034£453.08£1,443.13£265,970.03
Nov 2034£455.53£1,440.67£265,514.50
Dis 2034£458.00£1,438.20£265,056.50
Jan 2035£460.48£1,435.72£264,596.02
Feb 2035£462.98£1,433.23£264,133.04
Mac 2035£465.48£1,430.72£263,667.56
Apr 2035£468.00£1,428.20£263,199.55
Mei 2035£470.54£1,425.66£262,729.01
Jun 2035£473.09£1,423.12£262,255.93
Jul 2035£475.65£1,420.55£261,780.27
Ogo 2035£478.23£1,417.98£261,302.05
Sep 2035£480.82£1,415.39£260,821.23
Okt 2035£483.42£1,412.78£260,337.81
Nov 2035£486.04£1,410.16£259,851.77
Dis 2035£488.67£1,407.53£259,363.09
Jan 2036£491.32£1,404.88£258,871.77
Feb 2036£493.98£1,402.22£258,377.79
Mac 2036£496.66£1,399.55£257,881.13
Apr 2036£499.35£1,396.86£257,381.78
Mei 2036£502.05£1,394.15£256,879.73
Jun 2036£504.77£1,391.43£256,374.96
Jul 2036£507.51£1,388.70£255,867.45
Ogo 2036£510.26£1,385.95£255,357.20
Sep 2036£513.02£1,383.18£254,844.18
Okt 2036£515.80£1,380.41£254,328.38
Nov 2036£518.59£1,377.61£253,809.79
Dis 2036£521.40£1,374.80£253,288.39
Jan 2037£524.23£1,371.98£252,764.16
Feb 2037£527.06£1,369.14£252,237.10
Mac 2037£529.92£1,366.28£251,707.18
Apr 2037£532.79£1,363.41£251,174.39
Mei 2037£535.68£1,360.53£250,638.71
Jun 2037£538.58£1,357.63£250,100.13
Jul 2037£541.50£1,354.71£249,558.64
Ogo 2037£544.43£1,351.78£249,014.21
Sep 2037£547.38£1,348.83£248,466.83
Okt 2037£550.34£1,345.86£247,916.49
Nov 2037£553.32£1,342.88£247,363.17
Dis 2037£556.32£1,339.88£246,806.85
Jan 2038£559.33£1,336.87£246,247.51
Feb 2038£562.36£1,333.84£245,685.15
Mac 2038£565.41£1,330.79£245,119.74
Apr 2038£568.47£1,327.73£244,551.27
Mei 2038£571.55£1,324.65£243,979.72
Jun 2038£574.65£1,321.56£243,405.07
Jul 2038£577.76£1,318.44£242,827.31
Ogo 2038£580.89£1,315.31£242,246.42
Sep 2038£584.04£1,312.17£241,662.38
Okt 2038£587.20£1,309.00£241,075.18
Nov 2038£590.38£1,305.82£240,484.80
Dis 2038£593.58£1,302.63£239,891.23
Jan 2039£596.79£1,299.41£239,294.43
Feb 2039£600.03£1,296.18£238,694.41
Mac 2039£603.28£1,292.93£238,091.13
Apr 2039£606.54£1,289.66£237,484.59
Mei 2039£609.83£1,286.37£236,874.76
Jun 2039£613.13£1,283.07£236,261.63
Jul 2039£616.45£1,279.75£235,645.17
Ogo 2039£619.79£1,276.41£235,025.38
Sep 2039£623.15£1,273.05£234,402.23
Okt 2039£626.53£1,269.68£233,775.70
Nov 2039£629.92£1,266.29£233,145.78
Dis 2039£633.33£1,262.87£232,512.45
Jan 2040£636.76£1,259.44£231,875.69
Feb 2040£640.21£1,255.99£231,235.48
Mac 2040£643.68£1,252.53£230,591.80
Apr 2040£647.17£1,249.04£229,944.64
Mei 2040£650.67£1,245.53£229,293.97
Jun 2040£654.20£1,242.01£228,639.77
Jul 2040£657.74£1,238.47£227,982.03
Ogo 2040£661.30£1,234.90£227,320.73
Sep 2040£664.88£1,231.32£226,655.85
Okt 2040£668.48£1,227.72£225,987.36
Nov 2040£672.11£1,224.10£225,315.26
Dis 2040£675.75£1,220.46£224,639.51
Jan 2041£679.41£1,216.80£223,960.10
Feb 2041£683.09£1,213.12£223,277.02
Mac 2041£686.79£1,209.42£222,590.23
Apr 2041£690.51£1,205.70£221,899.72
Mei 2041£694.25£1,201.96£221,205.48
Jun 2041£698.01£1,198.20£220,507.47
Jul 2041£701.79£1,194.42£219,805.68
Ogo 2041£705.59£1,190.61£219,100.09
Sep 2041£709.41£1,186.79£218,390.68
Okt 2041£713.25£1,182.95£217,677.42
Nov 2041£717.12£1,179.09£216,960.31
Dis 2041£721.00£1,175.20£216,239.30
Jan 2042£724.91£1,171.30£215,514.40
Feb 2042£728.83£1,167.37£214,785.56
Mac 2042£732.78£1,163.42£214,052.78
Apr 2042£736.75£1,159.45£213,316.03
Mei 2042£740.74£1,155.46£212,575.28
Jun 2042£744.75£1,151.45£211,830.53
Jul 2042£748.79£1,147.42£211,081.74
Ogo 2042£752.84£1,143.36£210,328.90
Sep 2042£756.92£1,139.28£209,571.97
Okt 2042£761.02£1,135.18£208,810.95
Nov 2042£765.14£1,131.06£208,045.81
Dis 2042£769.29£1,126.91£207,276.52
Jan 2043£773.46£1,122.75£206,503.06
Feb 2043£777.65£1,118.56£205,725.42
Mac 2043£781.86£1,114.35£204,943.56
Apr 2043£786.09£1,110.11£204,157.46
Mei 2043£790.35£1,105.85£203,367.11
Jun 2043£794.63£1,101.57£202,572.48
Jul 2043£798.94£1,097.27£201,773.54
Ogo 2043£803.26£1,092.94£200,970.28
Sep 2043£807.62£1,088.59£200,162.67
Okt 2043£811.99£1,084.21£199,350.68
Nov 2043£816.39£1,079.82£198,534.29
Dis 2043£820.81£1,075.39£197,713.48
Jan 2044£825.26£1,070.95£196,888.22
Feb 2044£829.73£1,066.48£196,058.50
Mac 2044£834.22£1,061.98£195,224.28
Apr 2044£838.74£1,057.46£194,385.54
Mei 2044£843.28£1,052.92£193,542.25
Jun 2044£847.85£1,048.35£192,694.40
Jul 2044£852.44£1,043.76£191,841.96
Ogo 2044£857.06£1,039.14£190,984.90
Sep 2044£861.70£1,034.50£190,123.20
Okt 2044£866.37£1,029.83£189,256.83
Nov 2044£871.06£1,025.14£188,385.77
Dis 2044£875.78£1,020.42£187,509.98
Jan 2045£880.52£1,015.68£186,629.46
Feb 2045£885.29£1,010.91£185,744.16
Mac 2045£890.09£1,006.11£184,854.07
Apr 2045£894.91£1,001.29£183,959.16
Mei 2045£899.76£996.45£183,059.40
Jun 2045£904.63£991.57£182,154.77
Jul 2045£909.53£986.67£181,245.24
Ogo 2045£914.46£981.75£180,330.78
Sep 2045£919.41£976.79£179,411.37
Okt 2045£924.39£971.81£178,486.98
Nov 2045£929.40£966.80£177,557.58
Dis 2045£934.43£961.77£176,623.14
Jan 2046£939.50£956.71£175,683.65
Feb 2046£944.58£951.62£174,739.06
Mac 2046£949.70£946.50£173,789.36
Apr 2046£954.85£941.36£172,834.52
Mei 2046£960.02£936.19£171,874.50
Jun 2046£965.22£930.99£170,909.28
Jul 2046£970.45£925.76£169,938.84
Ogo 2046£975.70£920.50£168,963.14
Sep 2046£980.99£915.22£167,982.15
Okt 2046£986.30£909.90£166,995.85
Nov 2046£991.64£904.56£166,004.20
Dis 2046£997.01£899.19£165,007.19
Jan 2047£1,002.42£893.79£164,004.77
Feb 2047£1,007.84£888.36£162,996.93
Mac 2047£1,013.30£882.90£161,983.63
Apr 2047£1,018.79£877.41£160,964.83
Mei 2047£1,024.31£871.89£159,940.52
Jun 2047£1,029.86£866.34£158,910.66
Jul 2047£1,035.44£860.77£157,875.22
Ogo 2047£1,041.05£855.16£156,834.18
Sep 2047£1,046.69£849.52£155,787.49
Okt 2047£1,052.36£843.85£154,735.14
Nov 2047£1,058.06£838.15£153,677.08
Dis 2047£1,063.79£832.42£152,613.29
Jan 2048£1,069.55£826.66£151,543.75
Feb 2048£1,075.34£820.86£150,468.40
Mac 2048£1,081.17£815.04£149,387.24
Apr 2048£1,087.02£809.18£148,300.21
Mei 2048£1,092.91£803.29£147,207.30
Jun 2048£1,098.83£797.37£146,108.47
Jul 2048£1,104.78£791.42£145,003.69
Ogo 2048£1,110.77£785.44£143,892.92
Sep 2048£1,116.78£779.42£142,776.14
Okt 2048£1,122.83£773.37£141,653.30
Nov 2048£1,128.92£767.29£140,524.39
Dis 2048£1,135.03£761.17£139,389.36
Jan 2049£1,141.18£755.03£138,248.18
Feb 2049£1,147.36£748.84£137,100.82
Mac 2049£1,153.57£742.63£135,947.25
Apr 2049£1,159.82£736.38£134,787.42
Mei 2049£1,166.11£730.10£133,621.32
Jun 2049£1,172.42£723.78£132,448.89
Jul 2049£1,178.77£717.43£131,270.12
Ogo 2049£1,185.16£711.05£130,084.96
Sep 2049£1,191.58£704.63£128,893.39
Okt 2049£1,198.03£698.17£127,695.36
Nov 2049£1,204.52£691.68£126,490.83
Dis 2049£1,211.05£685.16£125,279.79
Jan 2050£1,217.61£678.60£124,062.18
Feb 2050£1,224.20£672.00£122,837.98
Mac 2050£1,230.83£665.37£121,607.15
Apr 2050£1,237.50£658.71£120,369.65
Mei 2050£1,244.20£652.00£119,125.45
Jun 2050£1,250.94£645.26£117,874.51
Jul 2050£1,257.72£638.49£116,616.79
Ogo 2050£1,264.53£631.67£115,352.26
Sep 2050£1,271.38£624.82£114,080.88
Okt 2050£1,278.27£617.94£112,802.62
Nov 2050£1,285.19£611.01£111,517.43
Dis 2050£1,292.15£604.05£110,225.28
Jan 2051£1,299.15£597.05£108,926.13
Feb 2051£1,306.19£590.02£107,619.94
Mac 2051£1,313.26£582.94£106,306.68
Apr 2051£1,320.38£575.83£104,986.30
Mei 2051£1,327.53£568.68£103,658.77
Jun 2051£1,334.72£561.49£102,324.05
Jul 2051£1,341.95£554.26£100,982.10
Ogo 2051£1,349.22£546.99£99,632.89
Sep 2051£1,356.53£539.68£98,276.36
Okt 2051£1,363.87£532.33£96,912.49
Nov 2051£1,371.26£524.94£95,541.22
Dis 2051£1,378.69£517.51£94,162.54
Jan 2052£1,386.16£510.05£92,776.38
Feb 2052£1,393.67£502.54£91,382.71
Mac 2052£1,401.21£494.99£89,981.50
Apr 2052£1,408.80£487.40£88,572.69
Mei 2052£1,416.44£479.77£87,156.26
Jun 2052£1,424.11£472.10£85,732.15
Jul 2052£1,431.82£464.38£84,300.33
Ogo 2052£1,439.58£456.63£82,860.75
Sep 2052£1,447.37£448.83£81,413.38
Okt 2052£1,455.21£440.99£79,958.16
Nov 2052£1,463.10£433.11£78,495.07
Dis 2052£1,471.02£425.18£77,024.04
Jan 2053£1,478.99£417.21£75,545.05
Feb 2053£1,487.00£409.20£74,058.05
Mac 2053£1,495.06£401.15£72,562.99
Apr 2053£1,503.15£393.05£71,059.84
Mei 2053£1,511.30£384.91£69,548.54
Jun 2053£1,519.48£376.72£68,029.06
Jul 2053£1,527.71£368.49£66,501.35
Ogo 2053£1,535.99£360.22£64,965.36
Sep 2053£1,544.31£351.90£63,421.05
Okt 2053£1,552.67£343.53£61,868.38
Nov 2053£1,561.08£335.12£60,307.29
Dis 2053£1,569.54£326.66£58,737.75
Jan 2054£1,578.04£318.16£57,159.71
Feb 2054£1,586.59£309.62£55,573.12
Mac 2054£1,595.18£301.02£53,977.94
Apr 2054£1,603.82£292.38£52,374.12
Mei 2054£1,612.51£283.69£50,761.61
Jun 2054£1,621.25£274.96£49,140.36
Jul 2054£1,630.03£266.18£47,510.33
Ogo 2054£1,638.86£257.35£45,871.48
Sep 2054£1,647.73£248.47£44,223.74
Okt 2054£1,656.66£239.55£42,567.08
Nov 2054£1,665.63£230.57£40,901.45
Dis 2054£1,674.65£221.55£39,226.80
Jan 2055£1,683.73£212.48£37,543.07
Feb 2055£1,692.85£203.36£35,850.23
Mac 2055£1,702.02£194.19£34,148.21
Apr 2055£1,711.23£184.97£32,436.98
Mei 2055£1,720.50£175.70£30,716.47
Jun 2055£1,729.82£166.38£28,986.65
Jul 2055£1,739.19£157.01£27,247.46
Ogo 2055£1,748.61£147.59£25,498.84
Sep 2055£1,758.09£138.12£23,740.76
Okt 2055£1,767.61£128.60£21,973.15
Nov 2055£1,777.18£119.02£20,195.97
Dis 2055£1,786.81£109.39£18,409.16
Jan 2056£1,796.49£99.72£16,612.67
Feb 2056£1,806.22£89.99£14,806.45
Mac 2056£1,816.00£80.20£12,990.45
Apr 2056£1,825.84£70.36£11,164.61
Mei 2056£1,835.73£60.47£9,328.88
Jun 2056£1,845.67£50.53£7,483.21
Jul 2056£1,855.67£40.53£5,627.54
Ogo 2056£1,865.72£30.48£3,761.82
Sep 2056£1,875.83£20.38£1,885.99
Okt 2056£1,885.99£10.22£0.00
This assumes a fixed rate and equal monthly payments, with interest added each month on the remaining balance.