贷款计算器

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计算月还款额和贷款总费用。

计算器

如何使用 贷款计算器

  1. 1Enter the loan amount
  2. 2Enter the annual interest rate
  3. 3Enter the loan term in years or months
  4. 4Click Calculate to see payments and total cost

关于 贷款计算器

The Loan Calculator computes your monthly payment using the standard amortization formula. Enter the loan amount, annual interest rate, and term to see: monthly payment, total payment over the full term, total interest paid, and an amortization schedule showing the first 12 months.

常见问题

What formula is used?

Monthly payment = [P × r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly rate, and n is number of months.

Does it include insurance or fees?

No. This calculator shows principal + interest only. Add insurance and fees separately.