信用スコア別ローン総コスト比較ツール
異なる金利シナリオでローン総支払額を比較し、金利差のインパクトを可視化します。
Time Value of Money (TVM) Calculator
Enter any four variables among N, I/Y, PV, PMT and FV, select the unknown variable and payment timing, then click Calculate.
This tool is for learning and estimation only and does not constitute any investment, loan or financial advice.
TVM Input Area
Payment Timing
Most loans and bonds use end-of-period payments; some rents and annuities use beginning-of-period payments.
Unknown Variable (to be calculated)
Make sure the other four variables are filled in clearly. Empty fields are treated as unknown.
Result
After filling in four variables and selecting the unknown variable, click "Calculate" to see the result here.
Sign convention: Positive numbers usually represent cash inflow (receive), and negative numbers represent cash outflow (pay). For example, taking out a loan: PV is positive (receive money), PMT is negative (repay each period).
This tool is implemented purely in the browser and does not store any data. All calculations are for teaching/learning and estimation only and do not constitute any investment or lending recommendation.
信用スコアと金利差の影響：生涯でいくら損する？
同じ借入条件でも、金利が 1〜3% 高いだけで総支払額がどれほど増えるか、信用スコアの重要性を数値で確認できます。
一般的な使用例
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