💨 贷款提前还款计算器Loan Prepayment Calculator
计算每月额外还款能节省的利息与提前还清月数。本地处理。可设置「贷款本金」、「年利率 %」、「原年限」、「每月额外还款」。See interest saved and months gained from an extra monthly payment. Processed locally. Settings: Principal, Annual rate %, Original years, Extra monthly.
使用说明与常见问题How-to & FAQ
「贷款提前还款计算器」是什么？What is the Loan Prepayment Calculator tool?
计算每月额外还款能节省的利息与提前还清月数。本地处理。可设置「贷款本金」、「年利率 %」、「原年限」、「每月额外还款」。See interest saved and months gained from an extra monthly payment. Processed locally. Settings: Principal, Annual rate %, Original years, Extra monthly.
如何使用「贷款提前还款计算器」？How do I use the Loan Prepayment Calculator tool?
在「贷款提前还款计算器」中，填写「贷款本金」、「年利率 %」、「原年限」、「每月额外还款」等参数，结果会随输入实时计算并显示在下方。In the Loan Prepayment Calculator: Fill in "Principal", "Annual rate %", "Original years", "Extra monthly"; results are recalculated instantly as you type.
怎么算？How?
等额本息摊销，按月逐期计算：每期利息 = 剩余本金 × 年利率 ÷ 12，四舍五入到分；额外金额全部冲本金；最后一期付清剩余本金和当期利息，所以最后一期金额可能和月供差几分。Level-payment amortization, month by month: each month's interest = remaining balance × annual rate ÷ 12, rounded to the cent; the extra amount goes entirely to principal; the last payment clears the remaining balance plus that month's interest, so it can differ from the regular payment by a few cents.
可以输入的范围？What input ranges are accepted?
本金须大于 0 且不超过 10¹⁵；年利率 0–50%；原年限为 1–50 的整数；每月额外还款不能为负。超出范围会提示而不计算。Principal must be above 0 and at most 10^15; annual rate 0–50%; original term a whole number of years from 1 to 50; the extra monthly payment cannot be negative. Values outside these ranges show a message instead of a result.
哪些输入会被检查？Which inputs are validated?
「贷款提前还款计算器」会检查这些输入——「贷款本金」、「年利率 %」、「原年限」、「每月额外还款」：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 Prepayment Calculator checks its inputs — "Principal", "Annual rate %", "Original years", "Extra monthly": 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?
「贷款提前还款计算器」的设置：「贷款本金」默认 200000；「年利率 %」默认 5.5；「原年限」默认 20；「每月额外还款」默认 200。每次生成结果都按当前设置处理。Settings in the Loan Prepayment Calculator — "Principal" default 200000; "Annual rate %" default 5.5; "Original years" default 20; "Extra monthly" default 200. 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?
「贷款提前还款计算器」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 Prepayment Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「贷款提前还款计算器」免费吗？需要注册吗？Is the Loan Prepayment Calculator free? Do I need an account?
「贷款提前还款计算器」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 Prepayment 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.