貸款計算器
房貸與車貸的每月還款金額與完整攤還表。
每月還款
總利息支出
總支付金額
查看攤還明細表
| 月份 | 還款 | 本金 | 利息 | 剩餘本金 |
|---|
貸款攤還原理
每期還款金額包含當期應付利息與部分本金。前期還款大多用於繳付利息,後期才會大量攤還本金。月付金公式為 M = P × [r(1+r)ⁿ] / [(1+r)ⁿ−1],其中 P 為本金、r 為月利率、n 為總期數。
How to use
- Enter your loan amount (the principal you are borrowing).
- Enter the annual interest rate as a percentage (e.g., 6.5 for 6.5%).
- Enter the loan term in years, then click "View amortization schedule" for a full monthly breakdown.
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常見問題
- Is this loan calculator free?
- Yes, completely free with no account required. All calculations run in your browser.
- Does my loan data leave my device?
- No. All calculations run client-side in JavaScript. No financial data is ever uploaded or stored.
- Does it work on mobile?
- Yes. The tool is mobile-first and works in Safari and Chrome on iOS and Android.
- What is an amortization schedule?
- An amortization schedule shows every monthly payment broken down into principal and interest components, and the remaining balance after each payment. Early in the loan, most of each payment goes to interest. Over time, more goes to principal as the balance decreases.
Last updated: By jarvisbox