住宅ローン計算
無料の住宅ローン計算ツール。元金、利息、固定資産税、保険を含む月々の支払い（PITI）を estimatします。あらゆる通貨に対応、ブラウザで動作します。
Runs in your browserUpdated Apr 26, 2026
Mortgage calculator
Loan amount
320,000.00
P&I monthly
2,022.62
Total monthly
2,422.62
Total interest
408,142.36
Total P&I paid
728,142.36
LTV
80.0%
よくある質問
›What is PITI?
Principal, Interest, Taxes and Insurance — the four parts of your monthly housing payment that lenders use to qualify you.
›Should I make a 20% down payment?
20% avoids private mortgage insurance (PMI) on US conforming loans, but lower down payments are common (3-5% with FHA / first-time buyer programs).
›Does this include HOA fees?
No — add HOA dues separately to your total monthly cost. We only model PITI.
›Fixed or variable rate?
We assume a fixed rate. For ARMs the early-term rate is the same calculation; later years vary with the index.
›Is the calculator free?
Yes — fully free, no signup, runs in your browser.