Loan Monthly Payment Calculator｜贷款月供计算器

贷款月供计算器 | Loan Monthly Payment Calculator

贷款月供计算器 Loan Monthly Payment Calculator

按「等额本息」方式，精确计算每个月应还金额、总利息和本息合计，适合车贷、消费贷等分期贷款。
Calculate your fixed monthly payment, total interest and total cost using the equal principal & interest method, ideal for car loans and consumer installment loans.

1. 输入参数 · Loan Parameters
实际借款金额。若是车贷，请用「车价 − 首付」后的净贷款金额。
Actual principal you borrow. For car loans, use the vehicle price minus your down payment.
与合同或银行报价一致的名义年利率，工具会自动换算为月利率：年利率 / 12。
Nominal annual interest rate in your contract. The tool converts it to monthly rate as: annual rate / 12.
车贷、消费贷常见期限：1–5 年。例如 36 期分期可填「3 年」或「36 月」。
Typical terms for car/consumer loans: 1–5 years. For a 36-month loan, you may enter “3 years” or “36 months”.
等额本息 · Equal Principal & Interest
本工具采用「等额本息」方式计算月供：
每个月还款金额相同（本金 + 利息），是车贷、消费贷最常见的还款方式。
This calculator uses the equal principal & interest method: fixed payment every month, which is the most common pattern for car and consumer loans.
3. 使用说明与小贴士 · How to Use & Tips
  • 1）适用场景 · Suitable Scenarios
    本工具适用于绝大多数采用「等额本息」的贷款：车贷、消费分期、装修贷、部分个人信用贷款等。
    This calculator works for most loans with fixed monthly payments, such as car loans, consumer installment loans, renovation loans and many personal loans.
  • 2）关于利率 · About Interest Rate
    若合同写明「年利率」，请直接输入该数值；若只看到「月利率」，可将月利率 ×12 后输入为年利率估算。
    If your contract quotes an annual rate, enter that directly. If only a monthly rate is shown, multiply it by 12 to estimate the annual rate.
  • 3）关于月供压力 · About Monthly Burden
    建议将每月月供控制在家庭可支配收入的一定比例内（例如 20%–40%），避免现金流压力过大。
    It is generally wise to keep monthly payments within a safe share of your disposable income (for example 20%–40%) to avoid excessive cash-flow pressure.
  • 4）提前还款与手续费 · Prepayment & Fees
    实际贷款中可能存在各种手续费、保费、担保费或提前还款违约金，本工具未纳入计算。
    In real-world loans, there may be additional fees, insurance premiums, guarantee fees or prepayment penalties which are not included in this calculator.

说明：本工具基于固定利率、按月等额本息还款方式进行理论计算，未考虑利率调整、费用、逾期及提前还款等因素。 结果仅供学习与测算参考，不构成任何贷款、理财或投资建议。
Note: This tool assumes a fixed rate and equal principal & interest monthly repayments, and ignores rate changes, fees, late payments and prepayment options. The results are for educational and estimation purposes only and do not constitute financial advice.