贷款计算器
输入贷款金额、年利率和期限，计算每月还款额、总利息和完整的还款明细。支持「等额本息」和「等额本金」两种主流还款方式。
Monthly payment (first)—
Total payment—
Total interest—
Number of payments—
Principal vs interest split
Principal 50%
Interest 50%
功能特性
Monthly payment calculation
Total interest and total cost
Equal monthly payment (annuity)
Equal principal repayment
Full amortization schedule
Interactive payment chart
使用方法
1. 输入贷款总金额、年利率和贷款期限（年或月）。
2. 选择还款方式：等额本息（每月还款相同）或等额本金（首月最高、逐月递减）。
3. 右侧会实时显示月供、总利息、总还款金额。
4. 点击「显示明细」可查看每一期的本金、利息和剩余本金。
常见问题
What is the difference between equal monthly payment and equal principal?
Equal monthly payment (annuity) means the same total payment every month — early payments are mostly interest, later ones mostly principal. Equal principal means you pay the same principal every month, so total payments start high and decrease.
Does this account for taxes or insurance?
No. This calculator focuses on principal and interest only. For full mortgage costs, add property tax, insurance, and HOA fees separately.