贷款计算器
计算每月还款额和总利息，查看房贷、车贷或个人贷款的还款计划。
$
%
输入贷款金额、利率和期限即可计算每月还款额。
使用方法
计算每月还款额和总利息，查看房贷、车贷或个人贷款的还款计划。
- 1Enter the loan amount in the first field — this is the principal you are borrowing, without any down payment already made.
- 2Enter the annual interest rate as a percentage. For example, type 6.5 for a 6.5% APR loan.
- 3Enter the loan term and choose whether you are entering it in years or months using the toggle buttons.
- 4The monthly payment appears instantly in the large result card at the top. Below it, you can see the total amount repaid and total interest paid.
- 5Scroll down to the amortization table to see the first 12 months of payments broken down by principal and interest — notice how the interest portion decreases each month.
主要功能
- Instant monthly payment calculation — see your payment update live as you adjust amount, rate, or term
- Years or months toggle — enter loan term in whatever unit is most natural for your loan type
- Principal vs. interest breakdown bar — visual split showing how much of your total payment is interest
- 12-month amortization table — see exactly how each payment is split between principal and interest
- Zero-interest support — handles 0% interest loans (buy-now-pay-later, dealer financing) correctly