Loan Payment Calculator
Estimate monthly payments, total payment, and interest
Loan Payment Calculator — what it does
Enter a principal, an annual interest rate and a term in years, and get the monthly payment, the total paid over the loan's life and the total interest. Three numbers in, three numbers out — the fastest way to find out whether a loan is affordable and what it truly costs.
When this tool helps
- Checking what a mortgage, car loan or personal loan would cost per month before applying.
- Comparing two offers where the rate and the term differ in opposite directions.
- Working backwards from an affordable monthly payment to a sensible borrowing amount.
How to use it
- Enter the loan principal.
- Enter the annual interest rate.
- Enter the term in years.
- Calculate to see monthly payment, total payment and total interest.
Accuracy, limits, and good practice
- A longer term lowers the monthly payment and raises the total interest, often by a great deal — compare both figures, not just the payment.
- The rate to compare is the APR, which includes fees; a headline rate without them understates what you will actually pay.
- For the month-by-month breakdown of principal and interest, the amortization schedule tool expands this same calculation.
Frequently asked questions
Does this include insurance and taxes?
No. Mortgage payments often bundle property tax and insurance, so a lender's quoted monthly figure can be noticeably higher.
What is the difference between interest rate and APR?
The rate covers interest only; the APR folds in fees and charges, which is why it is the fairer basis for comparison.
Can I model a shorter term quickly?
Change the years and recalculate. The rise in monthly payment against the fall in total interest is the trade-off to weigh.
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- Unix Timestamp Converter — Convert dates to Unix seconds or milliseconds and convert timestamps back
Everything above runs inside this page. Loan Payment Calculator needs no account, no upload, and no server round trip — close the tab and nothing is left behind.
貸款月供計算器能做什麼
輸入本金、年利率與年期，得到每月還款額、全期總還款與總利息。三個數字進、三個數字出——這是判斷一筆貸款負不負擔得起、真實成本多少最快的方式。
什麼時候用得上
- 申請前先看看房貸、車貸或信貸每月要繳多少。
- 比較利率與年期一高一低的兩個方案。
- 從負擔得起的月付金反推合理的可貸金額。
使用步驟
- 輸入貸款本金。
- 輸入年利率。
- 輸入年期。
- 計算後查看月付金、總還款與總利息。
精確度、限制與實務建議
- 年期拉長會降低月付、但大幅推高總利息——請兩個數字一起比，不要只看月付。
- 該拿來比較的是含費用的年百分率（APR）；不含費用的牌告利率會低估你實際要付的錢。
- 想看逐月本金與利息的拆分，攤還明細表工具把同一組計算展開成完整表格。
常見問題
有含保險與稅金嗎？
沒有。房貸月付常把房屋稅與保險包在一起，因此銀行報的月付金可能明顯更高。
利率與 APR 差在哪？
利率只算利息；APR 把各項費用一併計入，因此是更公平的比較基礎。
想快速試算較短年期？
改年期重算即可。月付上升與總利息下降之間的取捨，就是要權衡的重點。
本站相關工具
- 電商利潤計算器 — 估算平台費、廣告成本、淨利與利潤率
- ROI 投資回報率計算 — 計算投資回報率、淨收益與年化回報率
- Unix 時間戳轉換器 — 日期轉 Unix 秒或毫秒，並將時間戳轉回日期時間
以上步驟全部在這個頁面內完成，貸款月供計算器 不需要註冊、不上傳檔案、也不經過伺服器，關閉分頁後不會留下任何資料。