Estimate the monthly payment for any fixed-rate loan — a car loan, personal loan or student loan — using the standard amortization formula. Enter the amount, annual rate and term in months or years to get the payment, total interest and a yearly schedule of remaining balance.
The monthly rate is the annual rate divided by 12, and the payment is P·i/(1 − (1+i)^−n). The schedule shows how each payment splits between interest and principal, and how the balance declines faster near the end of the term.
Frequently asked questions
What is amortization?
A fixed monthly payment where the interest share shrinks and the principal share grows each month, keeping the total constant.
Does a longer term cost more?
Yes. Lower monthly payments come at the price of more total interest over the life of the loan.
Can I compare several loan offers?
Sure — change the rate or term and the results recalculate instantly, so you can compare offers side by side.
中文说明
用标准等额本息公式估算任意固定利率贷款（车贷、个人贷款、助学贷款）的月供。输入金额、年利率与期限，即可得到月供、总利息和按年的余额摊还表。
月利率 = 年利率 ÷ 12，月供公式为 P·i/(1 − (1+i)^−n)。摊还表展示每期还款中利息与本金的比例，以及期限后期余额加速下降的过程。
常见问题
什么是摊还（amortization）？
即等额本息还款：每月还款额固定，但其中利息占比逐月减少、本金占比逐月增加。
期限越长成本越高吗？
是的。月供压力变小，但贷款周期内支付的总利息更多。
可以比较多个贷款方案吗？
可以，修改利率或期限后结果即时重算，方便并排对比。