Loan Calculator贷款 / 月供计算器

Work out monthly payments, total interest and total cost.

输入贷款金额、年利率与期限，算出每月还款、总利息与总还款额。

What is Loan Calculator?贷款 / 月供计算器 是什么？

A loan calculator works out the monthly payment, total interest and total cost of a loan from the principal, interest rate and term. It applies the standard amortisation formula used by banks, and shows the full schedule so you can see how much of each payment goes to interest early on. All figures are computed locally, so the amounts you enter are never shared.

贷款计算器根据本金、利率和期限算出月供、总利息和总还款额，使用银行通行的标准摊还公式，并展示完整还款计划，让你看清前期还款中利息占比有多高。所有数字本地计算，输入的金额不会外泄。

How to use loan calculator如何使用 贷款 / 月供计算器

1. Enter the loan amount, the annual interest rate and the term.
2. Read the monthly payment, the total interest and the total repayment.
3. Adjust the term or the rate to compare offers side by side.
4. Copy the numbers into your budget or a spreadsheet.

1. 输入贷款金额、年利率和期限。
2. 读取月供、总利息、总还款额。
3. 调整期限或利率，并排比较不同方案。
4. 把数字复制进预算或表格。

Common uses常见用途

• Compare loan offers before signing, by total interest rather than monthly payment
• Check whether an extra repayment per month is worth it
• Plan a mortgage, a car loan or a personal loan budget
• See how the term length changes the total interest you pay

• 签约前比较贷款方案——看总利息而不是只看月供
• 判断每月多还一笔是否划算
• 规划房贷、车贷、个人贷款预算
• 看期限长短如何改变总利息支出

FAQ常见问题