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输入贷款金额、利率和期限，快速计算月供、总利息，并查看完整的还款计划表。所有计算均在浏览器本地完成，数据不会上传至任何服务器。

About Loan Calculator

A practical online loan calculator supporting both equal monthly payment and equal principal repayment methods. Calculate monthly payments, total interest, and view detailed amortization schedules. All calculations run locally in your browser.

Equal Payment
Fixed monthly payment, easy budgeting
Equal Principal
Decreasing payment, less total interest
Amortization Schedule
Detailed breakdown for each period
Local Calculation
No data upload, privacy protected
Supports equal monthly payment and equal principal methods
Detailed amortization schedule with principal and interest breakdown
Supports both years and months for loan term
All calculations performed locally in your browser

How to Use

1
Enter Details
Input loan amount, annual interest rate and term.
2
Select Method
Choose equal monthly payment or equal principal.
3
Calculate
Click the calculate button to get results.
4
Review Schedule
View detailed amortization schedule and total interest.

Use Cases

Mortgage Planning
Calculate monthly payments for home loans.
Auto Loans
Estimate payments for vehicle financing.
Personal Loans
Plan repayment for personal borrowing.
Business Loans
Analyze loan options for business expansion.

Loan Tips

Equal vs Principal

Equal payment has fixed monthly amount; equal principal starts higher but saves total interest.

Interest Calculation

Interest is calculated on remaining principal. Early repayment can significantly reduce total interest.

Loan Term

Longer terms mean lower monthly payments but more total interest over the life of the loan.

Calculate Your Loan in Seconds
From mortgages to personal loans, make informed financial decisions with clear repayment projections.
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