MoneyForge: Loan & Tax Calc

Borrow 35,000,000 yen over 35 years at 1.2%. Refinance in ten years — how much does the total change? To answer that one question, 111 Japanese money calculators are gathered into a single app. Put your versions in the same table — two on the free tier, five with PRO. Refinancing, extra payments, a different rate, a different term. Total payment, total interest, monthly payment and payoff month line up together, the best option is marked, and every other option shows what it costs you. You cannot judge a refinance without comparing. Sixteen are mortgages: amortisation for equal payment and equal principal, borrowing capacity, extra payments, refinancing gain and break-even, bonus-month repayment, floating rates with the 5-year rule, the 125% cap and unpaid-interest detection, split loans, stepped rates, group credit life insurance, purchase costs, the mortgage tax credit, rent versus…