# Japan Mortgage Calculator — Home loan & prepayment sim

> Home loan & prepayment sim (iPhone/iPad app by KUMU Studio.)

- Source: https://appshunter.io/ios/app/japan-mortgage-calculator/id6786887051 (this page in markdown: same URL + `.md`)
- Developer: [KUMU Studio](https://appshunter.io/developer/1896767501)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.0 · 2 MB
- Languages: American English, French (France), German (Germany), Indonesian, Italian, Japanese, Korean, Brazilian Portuguese, Russian, Chinese (Simplified, China) and 1 more
- Released: 2026-07-17
- Data updated: 2026-08-14
- User reviews in markdown: https://appshunter.io/ios/app/japan-mortgage-calculator/id6786887051/reviews.md

## What is Japan Mortgage Calculator?

A clear, easy-to-read simulator for Japanese home loans (住宅ローン).
Enter the loan amount, interest rate and term to see your monthly payment instantly.

Main features
- Real-time monthly payment (no calculate button)
- Equal-payment (annuity) and equal-principal methods
- Bonus payments (twice a year)
- Rate presets: variable, 10-year fixed, Flat 35
- Prepayment simulation (term-reduction / payment-reduction)
- Mortgage tax deduction estimate
- Variable-rate rise simulation (5-year / 125% rule)
- Refinance comparison with break-even
- Borrowing capacity from income, property-price to loan-amount
- Repayment schedule with balance chart, save & compare plans, share as image

Free, no ads, no registration, works offline. Dark mode supported.

Note: results are estimates. Please confirm the actual repayment amount with your financial institution.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Full Unlock | $19.99 | one-time |



## Version history (last 4 releases)

### 1.0.3 — 2026-08-13

Added bank rate comparison — compare monthly payments across major banks.

### 1.0.2 — 2026-07-25

Now supports iPhone on iOS 16 and later.

### 1.0.1 — 2026-07-19

Minor improvements and bug fixes.

### 1.0.0 — 2026-07-17

No release notes.

## More apps by KUMU Studio

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All apps by KUMU Studio: https://appshunter.io/developer/1896767501

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-14.*