贷款计算器
在线贷款计算器，快速计算月还款额、总利息和还款计划，支持各类贷款。
Monthly Payment
$1,073.64
Total Payment
$386,511.57
Total Interest
$186,511.57
相关关键词
How to Use Loan Calculator
Understanding the true cost of a loan before signing is essential for informed financial decisions. Our Loan Calculator computes monthly payments, total interest paid over the life of the loan, and total repayment amount using the standard amortization formula. It works for any type of fixed-rate loan: mortgages, car loans, personal loans, student loans, and more. Simply enter the loan amount (principal), the annual interest rate, and the loan term in years. The calculation updates instantly, allowing you to compare scenarios — for example, how much you save by choosing a 15-year mortgage over a 30-year one, or how a lower interest rate affects your monthly payment. A visual bar shows the proportion of principal versus total interest paid.
- 1
Enter the loan amount
Input the total amount you plan to borrow in the Loan Amount field.
- 2
Set the interest rate and term
Enter the annual interest rate (%) and the loan term in years.
- 3
View the results
The monthly payment, total payment, and total interest are displayed instantly with a visual breakdown.
Frequently Asked Questions
Does this calculate compound or simple interest?
The calculator uses the standard amortization formula, which compounds interest monthly. Each monthly payment covers the interest accrued that month plus a portion of the principal.
Can I calculate a 0% interest loan?
Yes. Enter 0 as the interest rate, and the monthly payment will simply be the principal divided by the number of months.
Is this suitable for adjustable-rate mortgages?
This calculator assumes a fixed interest rate throughout the loan term. For adjustable-rate mortgages, you would need to recalculate each time the rate changes.