EMI Calculator Japan
Work out your monthly loan instalment in JPY, see the total interest, and compare it against rates Japan banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Japan
Buzdy tracks 16 banks in Japan with 97 branches across 53 cities. EMI results on this page are shown in JPY. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in Japan
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| UC Platinum Card | UC Card | 12.00% - 15.00% p.a. | ¥33,000 | Up to 56 days |
| Mizuho Mileage Club ANA Card | Mizuho Bank | 15.00% p.a. | Free | Up to 56 days |
| UC Card Gold | UC Card | 15.00% - 18.00% p.a. | ¥5,500 | Up to 56 days |
| UC Card | UC Card | 15.00% - 18.00% p.a. | Free | Up to 56 days |
| View Gold Plus Card | View Card | 18.00% p.a. | ¥11,000 | Up to 56 days |
| View Card Standard | View Card | 18.00% p.a. | ¥524 (first year free) | Up to 56 days |
| JRE CARD | View Card | 18.00% p.a. | ¥524 (first year free) | Up to 56 days |
| PayPay Balance Card | PayPay Card | N/A (prepaid balance) | Free | N/A (prepaid) |
| PayPay Card Gold | PayPay Card | 18.00% p.a. | ¥11,000 | Up to 56 days |
| PayPay Card | PayPay Card | 18.00% p.a. | Free | Up to 56 days |
| Orico Card THE PLATINUM | Orico | 12.00% p.a. | ¥20,370 | Up to 56 days |
| Orico Card THE POINT PREMIUM GOLD | Orico | 15.00% p.a. | ¥1,986 | Up to 56 days |
| Orico Card THE POINT | Orico | 15.00% p.a. | Free | Up to 56 days |
| Mizuho Rakuten Card | Mizuho Bank | 15.00% p.a. | Free | Up to 56 days |
| Mizuho Mileage Club Card Gold | Mizuho Bank | 14.50% p.a. | ¥11,000 | Up to 56 days |
| Mizuho Mileage Club Card | Mizuho Bank | 15.00% p.a. | Free | Up to 56 days |
| SAISON Platinum American Express Card | Credit Saison | 15.00% p.a. | ¥22,000 | Up to 56 days |
| SAISON Gold American Express Card | Credit Saison | 15.00% p.a. | ¥11,000 | Up to 56 days |
| SAISON PEARL American Express Card | Credit Saison | 15.00% p.a. | ¥1,100 (Free if used once/year) | Up to 56 days |
| Rakuten Gold Card | Rakuten Card | 1.25% per month | — | — |
| SMBC Visa Platinum Preferred | Sumitomo Mitsui Card | 1.25% per month | — | — |
| SMBC Visa Gold | Sumitomo Mitsui Card | 1.25% per month | — | — |
| SMBC Visa Classic | Sumitomo Mitsui Card | 1.25% per month | — | — |
| JCB Platinum | JCB | 1.25% per month | — | — |
| JCB Gold Card | JCB | 1.25% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 28 cards with a published rate.
Worked example — repaying JPY 1,000,000 of card balance over 5 years in Japan
- Balance
- JPY 1,000,000
- Rate used
- 12% a year
- Tenure
- 60 months
- Monthly EMI
- JPY 22,244
- Total interest
- JPY 334,667
Rate taken from Orico Card THE PLATINUM (Orico) — the lowest published credit card rate we hold for Japan. Buzdy does not yet hold personal loan rates for Japan, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Japan
Keep going in Japan
Guides for Japan
Japan — frequently asked questions
What does JPY 1,000,000 on a credit card cost per month in Japan?
At 12% a year over 60 months the instalment works out at about JPY 22,244, or JPY 334,667 of interest in total. That rate comes from Orico Card THE PLATINUM by Orico, the lowest published credit card rate Buzdy holds for Japan. We do not yet hold personal loan rates for Japan — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Japan?
Across the 28 cards with a published rate in Japan, quoted rates run from 1.25% per month to 18% a year. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Japan?
Buzdy maps 97 bank branches in Japan across 53 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.