貸款計算機 - Free Online Tool | PivaBox

使用等額本息或等額本金還款方式計算房貸和貸款——比較總成本並生成攤還表

How to Use the Loan Calculator

1. Enter your loan amount, annual interest rate, and select the loan term in years.
2. Choose a repayment method: Equal Installment (fixed monthly payments) or Equal Principal (decreasing monthly payments).
3. Review the monthly payment, total payment, and total interest. Use the amortization schedule to see year-by-year breakdown and try the early repayment calculator to see how extra payments save interest.

Frequently Asked Questions

What is the difference between Equal Installment and Equal Principal?

<strong>Equal Installment (等额本息)</strong> keeps your monthly payment constant throughout the loan term — you pay more interest early and less principal. <strong>Equal Principal (等额本金)</strong> pays the same principal each month, so interest decreases over time and monthly payments gradually reduce. Equal Principal saves more total interest but has higher initial payments.

Is the Loan Calculator free?

Yes, PivaBox Loan Calculator is completely free to use. All calculations run locally in your browser — no data is sent to any server.

How accurate are the calculations?

The calculations use standard amortization formulas used by banks and mortgage lenders worldwide. They provide a close estimate, though actual bank calculations may differ slightly due to rounding, day-count conventions, and specific loan terms.