Finance Guides

How loans actually work, in plain English

How to pick a repayment method, how interest is calculated, whether early repayment is worth it — every guide comes with real numbers and a full case study.

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Only things you can put a number on. Every conclusion shows the calculation, so you can re-run it with your own loan terms in the calculator.

Repayment Methods

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Repayment What Is Equal Installment? Explained With Real Numbers A fixed monthly payment does not mean a fixed split between interest and principal. Using a real ¥1,000,000 / 30-year mortgage, we break down where each payment goes and compare it line by line with equal principal. 2026-10-13 · 8 min read Read article

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Your amount, your rate, your term
General Loan Calculator Compare equal installment, equal principal and interest-only → Mortgage Calculator Commercial / provident fund / combined → Price-to-Rent Ratio Calculator Buy or rent — let the numbers decide →