About This Tool
What is Loan Repayment Calculator?
A tool that calculates loan repayment schedules for both equal payment (amortized) and equal principal methods. Enter loan amount, interest rate, and term to see monthly payments, total repayment, and total interest.
How to Use
- Enter the loan amount.
- Enter the annual interest rate (%).
- Enter the repayment period (months).
- Select repayment type (equal payment/equal principal) and calculate.
Key Features
- Equal payment / equal principal repayment methods
- Monthly repayment schedule display
- Total payment and total interest calculation
- Monthly principal/interest ratio breakdown
Tips
- Equal payment maintains the same monthly amount, making budgeting easier.
- Equal principal has higher initial payments but less total interest, better long-term.
- A 1% interest rate difference over 30 years can mean tens of thousands in total interest difference.
Loan Repayment Calculator
Calculate loan repayment schedule with equal payment or equal principal
Frequently Asked Questions
等额本息和等额本金有什么区别？▼
等额本息保持每月还款额不变——前期主要是利息，逐渐转为主要是本金。等额本金每月偿还相同本金加递减利息，所以还款从高开始逐渐减少。等额本金的总利息支付更少。
等额本息的月供如何计算？▼
使用年金公式：M = P × [r(1+r)^n] / [(1+r)^n - 1]，其中M是月供，P是本金，r是月利率（年利率/12），n是总还款期数。确保贷款在期限结束时完全还清。
应该选择较短还是较长的贷款期限？▼
较短期限月供更高但总利息大幅减少。较长期限减少月供但总利息大幅增加。例如20万美元5%利率：15年利息82,860美元；30年利息186,512美元——超过两倍。根据你能舒适承受的月供来选择。