🏁 贷款还清计算器Loan Payoff Calculator
按余额、年利率和固定月供，逐月计算还清所需月数、总利息和最后一期金额；月供不足以覆盖利息时会提示永远还不清。本地处理。Months to pay off, total interest and the final payment for a balance at a fixed monthly payment, worked month by month; warns when the payment never covers the interest. Processed locally.
使用说明与常见问题How-to & FAQ
「贷款还清计算器」是什么？What is the Loan Payoff Calculator tool?
按余额、年利率和固定月供，逐月计算还清所需月数、总利息和最后一期金额；月供不足以覆盖利息时会提示永远还不清。本地处理。Months to pay off, total interest and the final payment for a balance at a fixed monthly payment, worked month by month; warns when the payment never covers the interest. Processed locally.
如何使用「贷款还清计算器」？How do I use the Loan Payoff Calculator tool?
在「贷款还清计算器」中，填写「余额」、「年利率 %」、「月供」等参数，结果会随输入实时计算并显示在下方。In the Loan Payoff Calculator: Fill in "Balance", "APR %", "Monthly payment"; results are recalculated instantly as you type.
怎么计算的？How is it calculated?
每月先按 余额 × 年利率 ÷ 12 计息（四舍五入到分），再用月供抵扣利息和本金，直到余额为 0；最后一期只付剩余本息，所以通常小于月供。Each month interest = balance × APR ÷ 12 (rounded to the cent) is added, then the payment covers interest first and principal second, until the balance is 0. The final payment is only what is left, so it is usually smaller than the regular payment.
为什么提示永远还不清？Why does it say the loan is never paid off?
如果月供不超过首月利息，余额不会下降（甚至增加），无论多久都还不清。页面会给出至少需要的月供。If the payment is not more than the first month's interest, the balance never goes down (it may grow), so the loan is never repaid. The page shows the minimum payment that starts reducing it.
能举个计算实例吗？Can you show a worked example?
例如在「贷款还清计算器」中填 余额 = 1000，年利率 % = 0，月供 = 100，结果区显示：还清月数：10（约 0.8 年）；总利息：0.00；还款总额：1,000.00；最后一期：100.00；首月利息：0.00For example, entering Balance = 1000, APR % = 0, Monthly payment = 100 in the Loan Payoff Calculator gives: Months to payoff: 10 (about 0.8 years); Total interest: 0.00; Total paid: 1,000.00; Final payment: 100.00; First month's interest: 0.00
哪些输入会被检查？Which inputs are validated?
「贷款还清计算器」会检查这些输入——「余额」、「年利率 %」、「月供」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Loan Payoff Calculator checks its inputs — "Balance", "APR %", "Monthly payment": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「贷款还清计算器」的设置：「余额」默认 12000；「年利率 %」默认 18；「月供」默认 400。每次生成结果都按当前设置处理。Settings in the Loan Payoff Calculator — "Balance" default 12000; "APR %" default 18; "Monthly payment" default 400. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「贷款还清计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Loan Payoff Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「贷款还清计算器」免费吗？需要注册吗？Is the Loan Payoff Calculator free? Do I need an account?
「贷款还清计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Loan Payoff Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.