贷款计算器
解决摊还、递延或债券式贷款的付款和总利息问题。
输入结果时更新 。
关于此计算器
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.
经常问到的问题
分期摊还贷款和延期贷款之间有什么区别?
摊还贷款以等额定期偿还,每个贷款都包括利息和一些本金,因此到期末余额为零,延期贷款在期限内不支付,利息化合物和整个本金加利息到期时作为一笔整付款到期。
债券式贷款怎么在这里工作?
债券(零息)贷款倒着运行:你设定到期到期时到期的金额和利率,计算器解决了今天你将支付的价格,也就是未来按复计率折回的金额。
复利和还本付息频率会改变付款的频率吗?
是。名义年均年均汇率是使用选定的复计频率转换为每个付款期的利率,因此,每周支付与每月支付,或每天支付与每年支付,同时将定期支付和利息总额都转换为复计。
年度年同侪审议与利率有什么区别?
简单的利率是借本金的成本。 年度年利率(年百分比)也意味着某些费用折叠,因此通常比较贷款的金额比较更好。 这个计算器将您输入的数字作为余额的年利率处理。
我怎样才能更快还清贷款?
外付款金额增加一个金额,缩短期限,或者更频繁地支付。 超过预定的付款额的任何款项直接付给本金,本金会更快地削减余额,并降低贷款期内支付的利息总额。
贷款金额是否包括利息?
贷款金额是您实际借入的本金。利息在贷款期顶端收取,“已偿还总额”的结果是本金加上所有利息,最后你只能从中留钱。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
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);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。