Loan Calculator
贷款计算器
Estimate the monthly payment, total interest, and full amortization schedule for any fixed-rate loan.
估算任意固定利率贷款的月供、总利息与完整还款计划。
Monthly payment
月供
—
Amortization (first 12 months)
还款表（前 12 期）
| Month |
期数 |
Payment |
还款 |
Interest |
利息 |
Principal |
本金 |
Balance |
剩余 |
Note: This calculator assumes a fixed interest rate and on-time monthly payments. Real loans may include fees, insurance, taxes, or variable rates that change the result.
说明：此计算器假设利率固定、按时还款。实际贷款可能包含手续费、保险、税费或浮动利率，结果会有所不同。
The loan formula
贷款公式
The monthly payment is computed with the standard amortization formula:
月供使用标准的摊销公式计算：
M = P · r · (1+r)^n / ((1+r)^n − 1)
Where P is the principal, r is the monthly interest rate (annual / 12), and n is the total number of payments (years × 12).
其中 P 为本金，r 为月利率（年利率 / 12），n 为总期数（年数 × 12）。
Read the full guide to amortization to see how each payment is split.
阅读 摊销完整指南 了解每期还款如何拆分。