借入金額：3,000万円
金利：5.000％
借入期間：30年 (360回払)
返済総額：49,934,226円
支払利息総額：19,934,226円

月額返済額：161,046円
年間返済額（月額返済額×12）：1,932,552円

■繰上返済計算
◎第1回目の繰上返済
繰上返済年月： 借入開始から1年0ヶ月目（12/360回目）
繰上返済額：3,000,000円 (期間短縮型)
軽減 利息額：8,042,340円
短縮 返済回数：5年8ヶ月 (68回)

上記、合計1回の繰上返済を行ったので24年4ヶ月 (292回目) の返済で全額返済完了しました！

◎繰上返済計算のまとめ（累計）
繰上返済回数：1回
繰上返済額：3,000,000円

返済総額：57,976,566円⇒49,934,226円
支払利息総額：27,976,566円⇒19,934,226円
軽減 利息額：8,042,340円

借入期間：30年⇒24年4ヶ月 (360回払⇒292回払)
返済期間短縮回数：5年8ヶ月 (68回)

回数	返済月額	元金分	利息分	返済後残高	元金分(緑色) : 利息分(赤色) 繰上返済分(青色) 軽減利息額(黄色)
1	161,046	36,046	125,000	29,963,954
2	161,046	36,197	124,849	29,927,757
3	161,046	36,348	124,698	29,891,409
4	161,046	36,499	124,547	29,854,910
5	161,046	36,651	124,395	29,818,259
6	161,046	36,804	124,242	29,781,455
7	161,046	36,957	124,089	29,744,498
8	161,046	37,111	123,935	29,707,387
9	161,046	37,266	123,780	29,670,121
10	161,046	37,421	123,625	29,632,700
11	161,046	37,577	123,469	29,595,123
12	3,161,046	3,037,733	123,313	26,557,390	繰上返済額 3,000,000円 (期間短縮型) 軽減できる利息額 8,042,340円 短縮できる返済回数 5年8ヶ月 (68回)
13	161,046	50,391	110,655	26,506,999
14	161,046	50,601	110,445	26,456,398
15	161,046	50,812	110,234	26,405,586
16	161,046	51,023	110,023	26,354,563
17	161,046	51,236	109,810	26,303,327
18	161,046	51,449	109,597	26,251,878
19	161,046	51,664	109,382	26,200,214
20	161,046	51,879	109,167	26,148,335
21	161,046	52,095	108,951	26,096,240
22	161,046	52,312	108,734	26,043,928
23	161,046	52,530	108,516	25,991,398
24	161,046	52,749	108,297	25,938,649
25	161,046	52,969	108,077	25,885,680
26	161,046	53,189	107,857	25,832,491
27	161,046	53,411	107,635	25,779,080
28	161,046	53,634	107,412	25,725,446
29	161,046	53,857	107,189	25,671,589
30	161,046	54,082	106,964	25,617,507
31	161,046	54,307	106,739	25,563,200
32	161,046	54,533	106,513	25,508,667
33	161,046	54,760	106,286	25,453,907
34	161,046	54,989	106,057	25,398,918
35	161,046	55,218	105,828	25,343,700
36	161,046	55,448	105,598	25,288,252
37	161,046	55,679	105,367	25,232,573
38	161,046	55,911	105,135	25,176,662
39	161,046	56,144	104,902	25,120,518
40	161,046	56,378	104,668	25,064,140
41	161,046	56,613	104,433	25,007,527
42	161,046	56,848	104,198	24,950,679
43	161,046	57,085	103,961	24,893,594
44	161,046	57,323	103,723	24,836,271
45	161,046	57,562	103,484	24,778,709
46	161,046	57,802	103,244	24,720,907
47	161,046	58,043	103,003	24,662,864
48	161,046	58,285	102,761	24,604,579
49	161,046	58,527	102,519	24,546,052
50	161,046	58,771	102,275	24,487,281
51	161,046	59,016	102,030	24,428,265
52	161,046	59,262	101,784	24,369,003
53	161,046	59,509	101,537	24,309,494
54	161,046	59,757	101,289	24,249,737
55	161,046	60,006	101,040	24,189,731
56	161,046	60,256	100,790	24,129,475
57	161,046	60,507	100,539	24,068,968
58	161,046	60,759	100,287	24,008,209
59	161,046	61,012	100,034	23,947,197
60	161,046	61,267	99,779	23,885,930
61	161,046	61,522	99,524	23,824,408
62	161,046	61,778	99,268	23,762,630
63	161,046	62,036	99,010	23,700,594
64	161,046	62,294	98,752	23,638,300
65	161,046	62,554	98,492	23,575,746
66	161,046	62,814	98,232	23,512,932
67	161,046	63,076	97,970	23,449,856
68	161,046	63,339	97,707	23,386,517
69	161,046	63,603	97,443	23,322,914
70	161,046	63,868	97,178	23,259,046
71	161,046	64,134	96,912	23,194,912
72	161,046	64,401	96,645	23,130,511
73	161,046	64,669	96,377	23,065,842
74	161,046	64,939	96,107	23,000,903
75	161,046	65,209	95,837	22,935,694
76	161,046	65,481	95,565	22,870,213
77	161,046	65,754	95,292	22,804,459
78	161,046	66,028	95,018	22,738,431
79	161,046	66,303	94,743	22,672,128
80	161,046	66,579	94,467	22,605,549
81	161,046	66,857	94,189	22,538,692
82	161,046	67,135	93,911	22,471,557
83	161,046	67,415	93,631	22,404,142
84	161,046	67,696	93,350	22,336,446
85	161,046	67,978	93,068	22,268,468
86	161,046	68,261	92,785	22,200,207
87	161,046	68,546	92,500	22,131,661
88	161,046	68,831	92,215	22,062,830
89	161,046	69,118	91,928	21,993,712
90	161,046	69,406	91,640	21,924,306
91	161,046	69,695	91,351	21,854,611
92	161,046	69,986	91,060	21,784,625
93	161,046	70,277	90,769	21,714,348
94	161,046	70,570	90,476	21,643,778
95	161,046	70,864	90,182	21,572,914
96	161,046	71,159	89,887	21,501,755
97	161,046	71,456	89,590	21,430,299
98	161,046	71,754	89,292	21,358,545
99	161,046	72,053	88,993	21,286,492
100	161,046	72,353	88,693	21,214,139
101	161,046	72,654	88,392	21,141,485
102	161,046	72,957	88,089	21,068,528
103	161,046	73,261	87,785	20,995,267
104	161,046	73,566	87,480	20,921,701
105	161,046	73,873	87,173	20,847,828
106	161,046	74,181	86,865	20,773,647
107	161,046	74,490	86,556	20,699,157
108	161,046	74,800	86,246	20,624,357
109	161,046	75,112	85,934	20,549,245
110	161,046	75,425	85,621	20,473,820
111	161,046	75,739	85,307	20,398,081
112	161,046	76,054	84,992	20,322,027
113	161,046	76,371	84,675	20,245,656
114	161,046	76,690	84,356	20,168,966
115	161,046	77,009	84,037	20,091,957
116	161,046	77,330	83,716	20,014,627
117	161,046	77,652	83,394	19,936,975
118	161,046	77,976	83,070	19,858,999
119	161,046	78,301	82,745	19,780,698
120	161,046	78,627	82,419	19,702,071
121	161,046	78,955	82,091	19,623,116
122	161,046	79,284	81,762	19,543,832
123	161,046	79,614	81,432	19,464,218
124	161,046	79,946	81,100	19,384,272
125	161,046	80,279	80,767	19,303,993
126	161,046	80,613	80,433	19,223,380
127	161,046	80,949	80,097	19,142,431
128	161,046	81,286	79,760	19,061,145
129	161,046	81,625	79,421	18,979,520
130	161,046	81,965	79,081	18,897,555
131	161,046	82,307	78,739	18,815,248
132	161,046	82,650	78,396	18,732,598
133	161,046	82,994	78,052	18,649,604
134	161,046	83,340	77,706	18,566,264
135	161,046	83,687	77,359	18,482,577
136	161,046	84,036	77,010	18,398,541
137	161,046	84,386	76,660	18,314,155
138	161,046	84,738	76,308	18,229,417
139	161,046	85,091	75,955	18,144,326
140	161,046	85,445	75,601	18,058,881
141	161,046	85,801	75,245	17,973,080
142	161,046	86,159	74,887	17,886,921
143	161,046	86,518	74,528	17,800,403
144	161,046	86,878	74,168	17,713,525
145	161,046	87,240	73,806	17,626,285
146	161,046	87,604	73,442	17,538,681
147	161,046	87,969	73,077	17,450,712
148	161,046	88,335	72,711	17,362,377
149	161,046	88,703	72,343	17,273,674
150	161,046	89,073	71,973	17,184,601
151	161,046	89,444	71,602	17,095,157
152	161,046	89,817	71,229	17,005,340
153	161,046	90,191	70,855	16,915,149
154	161,046	90,567	70,479	16,824,582
155	161,046	90,944	70,102	16,733,638
156	161,046	91,323	69,723	16,642,315
157	161,046	91,704	69,342	16,550,611
158	161,046	92,086	68,960	16,458,525
159	161,046	92,469	68,577	16,366,056
160	161,046	92,855	68,191	16,273,201
161	161,046	93,241	67,805	16,179,960
162	161,046	93,630	67,416	16,086,330
163	161,046	94,020	67,026	15,992,310
164	161,046	94,412	66,634	15,897,898
165	161,046	94,805	66,241	15,803,093
166	161,046	95,200	65,846	15,707,893
167	161,046	95,597	65,449	15,612,296
168	161,046	95,995	65,051	15,516,301
169	161,046	96,395	64,651	15,419,906
170	161,046	96,797	64,249	15,323,109
171	161,046	97,200	63,846	15,225,909
172	161,046	97,605	63,441	15,128,304
173	161,046	98,012	63,034	15,030,292
174	161,046	98,420	62,626	14,931,872
175	161,046	98,830	62,216	14,833,042
176	161,046	99,242	61,804	14,733,800
177	161,046	99,656	61,390	14,634,144
178	161,046	100,071	60,975	14,534,073
179	161,046	100,488	60,558	14,433,585
180	161,046	100,907	60,139	14,332,678
181	161,046	101,327	59,719	14,231,351
182	161,046	101,749	59,297	14,129,602
183	161,046	102,173	58,873	14,027,429
184	161,046	102,599	58,447	13,924,830
185	161,046	103,026	58,020	13,821,804
186	161,046	103,456	57,590	13,718,348
187	161,046	103,887	57,159	13,614,461
188	161,046	104,320	56,726	13,510,141
189	161,046	104,754	56,292	13,405,387
190	161,046	105,191	55,855	13,300,196
191	161,046	105,629	55,417	13,194,567
192	161,046	106,069	54,977	13,088,498
193	161,046	106,511	54,535	12,981,987
194	161,046	106,955	54,091	12,875,032
195	161,046	107,401	53,645	12,767,631
196	161,046	107,848	53,198	12,659,783
197	161,046	108,297	52,749	12,551,486
198	161,046	108,749	52,297	12,442,737
199	161,046	109,202	51,844	12,333,535
200	161,046	109,657	51,389	12,223,878
201	161,046	110,114	50,932	12,113,764
202	161,046	110,572	50,474	12,003,192
203	161,046	111,033	50,013	11,892,159
204	161,046	111,496	49,550	11,780,663
205	161,046	111,960	49,086	11,668,703
206	161,046	112,427	48,619	11,556,276
207	161,046	112,895	48,151	11,443,381
208	161,046	113,366	47,680	11,330,015
209	161,046	113,838	47,208	11,216,177
210	161,046	114,312	46,734	11,101,865
211	161,046	114,789	46,257	10,987,076
212	161,046	115,267	45,779	10,871,809
213	161,046	115,747	45,299	10,756,062
214	161,046	116,230	44,816	10,639,832
215	161,046	116,714	44,332	10,523,118
216	161,046	117,200	43,846	10,405,918
217	161,046	117,689	43,357	10,288,229
218	161,046	118,179	42,867	10,170,050
219	161,046	118,671	42,375	10,051,379
220	161,046	119,166	41,880	9,932,213
221	161,046	119,662	41,384	9,812,551
222	161,046	120,161	40,885	9,692,390
223	161,046	120,662	40,384	9,571,728
224	161,046	121,164	39,882	9,450,564
225	161,046	121,669	39,377	9,328,895
226	161,046	122,176	38,870	9,206,719
227	161,046	122,685	38,361	9,084,034
228	161,046	123,196	37,850	8,960,838
229	161,046	123,710	37,336	8,837,128
230	161,046	124,225	36,821	8,712,903
231	161,046	124,743	36,303	8,588,160
232	161,046	125,262	35,784	8,462,898
233	161,046	125,784	35,262	8,337,114
234	161,046	126,309	34,737	8,210,805
235	161,046	126,835	34,211	8,083,970
236	161,046	127,363	33,683	7,956,607
237	161,046	127,894	33,152	7,828,713
238	161,046	128,427	32,619	7,700,286
239	161,046	128,962	32,084	7,571,324
240	161,046	129,499	31,547	7,441,825
241	161,046	130,039	31,007	7,311,786
242	161,046	130,581	30,465	7,181,205
243	161,046	131,125	29,921	7,050,080
244	161,046	131,671	29,375	6,918,409
245	161,046	132,220	28,826	6,786,189
246	161,046	132,771	28,275	6,653,418
247	161,046	133,324	27,722	6,520,094
248	161,046	133,879	27,167	6,386,215
249	161,046	134,437	26,609	6,251,778
250	161,046	134,997	26,049	6,116,781
251	161,046	135,560	25,486	5,981,221
252	161,046	136,125	24,921	5,845,096
253	161,046	136,692	24,354	5,708,404
254	161,046	137,261	23,785	5,571,143
255	161,046	137,833	23,213	5,433,310
256	161,046	138,408	22,638	5,294,902
257	161,046	138,984	22,062	5,155,918
258	161,046	139,564	21,482	5,016,354
259	161,046	140,145	20,901	4,876,209
260	161,046	140,729	20,317	4,735,480
261	161,046	141,315	19,731	4,594,165
262	161,046	141,904	19,142	4,452,261
263	161,046	142,495	18,551	4,309,766
264	161,046	143,089	17,957	4,166,677
265	161,046	143,685	17,361	4,022,992
266	161,046	144,284	16,762	3,878,708
267	161,046	144,885	16,161	3,733,823
268	161,046	145,489	15,557	3,588,334
269	161,046	146,095	14,951	3,442,239
270	161,046	146,704	14,342	3,295,535
271	161,046	147,315	13,731	3,148,220
272	161,046	147,929	13,117	3,000,291
273	161,046	148,545	12,501	2,851,746
274	161,046	149,164	11,882	2,702,582
275	161,046	149,786	11,260	2,552,796
276	161,046	150,410	10,636	2,402,386
277	161,046	151,037	10,009	2,251,349
278	161,046	151,666	9,380	2,099,683
279	161,046	152,298	8,748	1,947,385
280	161,046	152,932	8,114	1,794,453
281	161,046	153,570	7,476	1,640,883
282	161,046	154,209	6,837	1,486,674
283	161,046	154,852	6,194	1,331,822
284	161,046	155,497	5,549	1,176,325
285	161,046	156,145	4,901	1,020,180
286	161,046	156,796	4,250	863,384
287	161,046	157,449	3,597	705,935
288	161,046	158,105	2,941	547,830
289	161,046	158,764	2,282	389,066
290	161,046	159,425	1,621	229,641
291	161,046	160,090	956	69,551
292	69,840	69,551	289	0

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