Kātaitai ā-whakahaere
Ka mahi i te utu me te hua katoa i runga i te utu, i te utu whakamutu, i te utu āhua ā-tau.
Ka whakahōutia ngā hua i te wā e tātuhi ana.
Mo tēnei tātaitai
A loan calculator turns a loan amount, interest rate (APR) and term into a fixed payment and shows how much interest you pay in total. For an amortized loan it uses the standard payment formula — the nominal APR is first converted to a rate per payment period using your chosen compounding frequency, then spread over the number of payments so the balance falls to zero by the end of the term. Use the tabs for the three main loan shapes: an amortized loan paid down in equal instalments, a deferred loan repaid as a single lump at maturity, and a bond-style loan where you solve the price that grows to a set amount due.
For example, a 20,000 personal loan at 7.5% APR over 5 years, paid monthly, comes to a payment of about 401 a month. Across all 60 payments you repay roughly 24,050, so the loan costs you around 4,050 in interest. Shortening the term or dropping the rate lowers that interest; paying weekly instead of monthly, or adding an extra payment each period, clears it faster still.
Use a loan calculator to compare offers on a personal, student or business loan, to work out whether a shorter term is affordable, and to see the real cost of borrowing before you sign — the total interest is often far larger than the headline rate suggests.
Ko nga pātai e pā ana
He aha te rerekētanga i waenganui i te utu me te moni whakamutua?
Ko te moni whakawātea e whakawhiwhia ana ki ngā utu ōrite i ngā wā kotahi e whakawāteatia ana ia moni pānga me ētahi pūmatua, kia kore ai te taumahatanga ki te mutunga o te wā. Kāore he utu i te whakawātea i te wā o te wā — he hua ngā hua me te pūmatua katoa me te hua e hiahiatia ana hei moni kotahi i te wā o te whakawhāititanga.
He pēhea te mahi o te hua o te āhua o te ārai i tēnei?
He mahi whakarerekē te moni ārai (kore-kōpū): ka whakaritea e koe te moni e hiahiatia ana i te wā o te whakawhāiti me te ōrautanga, ā, ka whakaotia e te tātaitai te utu e hiahiatia ana e koe i tēnei rā, ko taua moni ā muri ake nei e whakaiti ana ki te ōrautanga whāiti.
Ka huri te whakakotahitanga me te auautanga o te utu i te utu?
He. Ka tahuri te APR taupū ki te ōrautanga i ia wā o te utu mā te whakamahi i te auautanga o te whakatōpūtanga i kōwhiria, kia whakawātea ai i te wiki i te marama, i te rā rānei i te tau, i te tau rānei, i te wā o te utu ā-whāiti me te hua katoa.
He aha te rerekētanga i waenganui i te APR me te ōrautanga hua?
Ko te mokatere hua noa iho te utu o te whakawhiwhinga ki te pūmatua. APR (whakahaere tauwhāiti tauwhāiti) e whakaritea ana kia whakawātea i ētahi utu, kia pai ake ai te tau mō te whakataurite i ngā whakawhiwhinga. Ka whakaarohia e tēnei tātaitai te tau e tāpoi ana i te tau o te tau e hoatu ana ki te tauwhāiti.
He pēhea te tere ake o te whakawhiwhinga o tētahi moni?
E tāpiri ana i tētahi moni i roto i te āpure utu tāpiri, whakaiti i te wā, te utu rānei i te nuinga o te wā. Ko ngā moni i runga ake i te utu i whakaritea e haere hāngai ana ki te pūmatua, e whakaiti ana i te taumahatanga me te whakaiti i te hua katoa e utu ana i te wā o te hua.
Kei roto i te uara te utu?
Kāore. Ko te nui o te hua he pūmatua e whakawhiwhia ana e koe. Ka whakawhiwhia te hua ki runga i te wā - ko te hua "whakawhiwhi katoa" ko te pūmatua tae atu ki ngā hua katoa, ko te mea e waiho ana i tō tātou poaka i te mutunga.
API — whakamahi tēnei tātaitai mai i te waehere
E kī ana tēnei tātaitai hei wāhi mutunga kore JSON - kāore he kī e hiahiatia ana. Ka tukuna ngā uara āpure i raro nei hei tohutoro pātai, JSON rānei. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka pānui te papatono API katoa →
Whakamutunga
GET https://calculator.free/api/v1/loan/curl
curl "https://calculator.free/api/v1/loan/?amount=20000&maturity_value=25000&rate=7.5&years=5&_mode=amortized"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/loan/?" + new URLSearchParams({
"amount": "20000",
"maturity_value": "25000",
"rate": "7.5",
"years": "5",
"_mode": "amortized"
}));
const data = await r.json();
console.log(data.results);Ko ngā hua he whakataunga mō te tohutohu ahuwhānui anake, ehara i te tohutohu moni, rongoā, tāke rānei.