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贷款/房贷计算器
计算贷款和房贷的每月还款额、总利息和完整费用明细。
计算贷款或房贷的每月还款额、总费用和利息
每月还款额
输入贷款信息以计算
本计算器使用标准等额本息还款公式。实际还款额可能因手续费、保险和税费而有所不同。如需个性化建议，请咨询金融顾问。
How to Use This Tool
- 1
Enter the loan principal
Type the total amount you plan to borrow. This is the base amount before any interest.
- 2
Set the annual interest rate
Enter the yearly interest rate as a percentage (e.g., 5.5 for 5.5%). The calculator converts it to a monthly rate automatically.
- 3
Specify the loan term
Enter the number of years over which you will repay the loan. You can use decimals for partial years.
- 4
Review the breakdown
Instantly see your monthly payment, total payment, and total interest paid, along with a visual bar showing the principal-to-interest ratio.
Frequently Asked Questions
- What formula does this loan calculator use?
- It uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is principal, r is monthly interest rate, and n is the total number of payments.
- Can I calculate a zero-interest loan?
- Yes. If you enter 0% interest, the calculator simply divides the principal by the number of months to give you equal payments with no interest cost.
- Does this include taxes or insurance?
- No. This calculator computes principal and interest only. Property taxes, insurance, and other fees (common in mortgage payments) are not included.
- How accurate is the monthly payment estimate?
- The calculation is mathematically exact for fixed-rate loans with equal monthly payments. Actual loan terms may vary due to fees, compounding differences, or variable rates.