财务计算器
贷款计算器
计算传统分期偿还贷款的固定月供和总利息。
Visual summary
Loan balance and interest over time
Compare principal and interest, see how each payment interval changes, and follow the projected balance to payoff.
Total repayment
Principal $200,000Interest $31,994
Principal and interest payments
Payoff projection
`r`n
| Period | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| Start | $0.00 | $0.00 | $200,000 |
| 3 mo | $8,643 | $2,957 | $191,357 |
| 6 mo | $8,773 | $2,827 | $182,584 |
| 9 mo | $8,905 | $2,694 | $173,679 |
| Year 1 | $9,040 | $2,560 | $164,639 |
| 15 mo | $9,176 | $2,424 | $155,464 |
| 18 mo | $9,314 | $2,286 | $146,149 |
| 21 mo | $9,455 | $2,145 | $136,695 |
| Year 2 | $9,597 | $2,003 | $127,098 |
| 27 mo | $9,742 | $1,858 | $117,356 |
| 30 mo | $9,889 | $1,711 | $107,467 |
| 33 mo | $10,038 | $1,562 | $97,430 |
| Year 3 | $10,189 | $1,411 | $87,241 |
| 39 mo | $10,343 | $1,257 | $76,898 |
| 42 mo | $10,499 | $1,101 | $66,400 |
| 45 mo | $10,657 | $942.89 | $55,743 |
| Year 4 | $10,817 | $782.23 | $44,925 |
| 51 mo | $10,981 | $619.16 | $33,945 |
| 54 mo | $11,146 | $453.63 | $22,799 |
| 57 mo | $11,314 | $285.60 | $11,485 |
| Year 5 | $11,485 | $115.04 | $0.00 |
Calculations happen locally in your browser.
如何使用此结果？ calculator
- 输入借款金额、年利率和月供的整数期数。
- 查看实时结果，并在需要共享时使用“复制结果”功能。
如何 calculation works
共享摊销引擎将年利率转换为月利率，并找到使余额降至零的还款额。
公式
Payment = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
分步指南 calculation
- 输入借款金额、年利率和月供的整数期数。
- 共享摊销引擎将年利率转换为月利率，并找到使余额降至零的还款额。
- 检查显示的结果，如有需要，请复制。
示例
一笔10,000美元的贷款，年利率5%，期限12个月，预计每月还款额约为856.07美元。
风险提示
常见问题解答
此模型是否包含提前还款或费用？
否。它假设每月等额付款，固定利率，且无任何费用或额外付款。
此工具是否会将我的输入发送到其他地方？
否。交互式计算在您的浏览器中运行，本网站不会将工具输入提交到后端。
我应该如何使用结果？
检查输入的单位和值是否符合实际情况，尤其要注意日期、断点和舍入方式。