支付计算器
付款计算器可以确定固定利率贷款的每月付款额或贷款期限。使用“定期”选项卡计算定期贷款的月供。使用“固定付款”选项卡计算每月固定付款的贷款偿还时间。有关汽车付款计算的更多信息，请使用 汽车贷款计算器。要查找税后工资净额，请使用 实得工资计算器。
每月付款:1687.71美元
你需要在15年内每月支付1，687.71美元来偿还债务。
| 共180次付款 | $303,788.46 |
| 总利息 | $103,788.46 |
摊销表
| 月 | 兴趣 | 校长 | 期末余额 |
|---|
| 一 | $1,000.00 | $687.71 | $199,312.29 |
| 2 | $996.56 | $691.15 | $198,621.13 |
| 3 | $993.11 | $694.61 | $197,926.53 |
| 四 | $989.63 | $698.08 | $197,228.45 |
| 5 | $986.14 | $701.57 | $196,526.87 |
| 6 | $982.63 | $705.08 | $195,821.79 |
| 七 | $979.11 | $708.60 | $195,113.19 |
| 8 | $975.57 | $712.15 | $194,401.04 |
| 9 | $972.01 | $715.71 | $193,685.33 |
| 10 | $968.43 | $719.29 | $192,966.05 |
| 11 | $964.83 | $722.88 | $192,243.16 |
| 12 | $961.22 | $726.50 | $191,516.67 |
| 第一年末 |
| 13 | $957.58 | $730.13 | $190,786.53 |
| 14 | $953.93 | $733.78 | $190,052.75 |
| 15 | $950.26 | $737.45 | $189,315.30 |
| 16 | $946.58 | $741.14 | $188,574.17 |
| 17 | $942.87 | $744.84 | $187,829.32 |
| 18 | $939.15 | $748.57 | $187,080.76 |
| 19 | $935.40 | $752.31 | $186,328.45 |
| 20 | $931.64 | $756.07 | $185,572.38 |
| 21 | $927.86 | $759.85 | $184,812.52 |
| 22 | $924.06 | $763.65 | $184,048.87 |
| 23 | $920.24 | $767.47 | $183,281.40 |
| 24 | $916.41 | $771.31 | $182,510.10 |
| 第二年末 |
| 25 | $912.55 | $775.16 | $181,734.93 |
| 26 | $908.67 | $779.04 | $180,955.89 |
| 27 | $904.78 | $782.93 | $180,172.96 |
| 28 | $900.86 | $786.85 | $179,386.11 |
| 29 | $896.93 | $790.78 | $178,595.33 |
| 30 | $892.98 | $794.74 | $177,800.59 |
| 31 | $889.00 | $798.71 | $177,001.88 |
| 32 | $885.01 | $802.70 | $176,199.18 |
| 33 | $881.00 | $806.72 | $175,392.46 |
| 34 | $876.96 | $810.75 | $174,581.71 |
| 35 | $872.91 | $814.81 | $173,766.90 |
| 36 | $868.83 | $818.88 | $172,948.02 |
| 第三年末 |
| 37 | $864.74 | $822.97 | $172,125.05 |
| 38 | $860.63 | $827.09 | $171,297.96 |
| 39 | $856.49 | $831.22 | $170,466.74 |
| 40 | $852.33 | $835.38 | $169,631.36 |
| 41 | $848.16 | $839.56 | $168,791.80 |
| 42 | $843.96 | $843.75 | $167,948.05 |
| 43 | $839.74 | $847.97 | $167,100.07 |
| 44 | $835.50 | $852.21 | $166,247.86 |
| 45 | $831.24 | $856.47 | $165,391.39 |
| 46 | $826.96 | $860.76 | $164,530.63 |
| 47 | $822.65 | $865.06 | $163,665.57 |
| 48 | $818.33 | $869.39 | $162,796.18 |
| 第四年末 |
| 49 | $813.98 | $873.73 | $161,922.45 |
| 50 | $809.61 | $878.10 | $161,044.35 |
| 51 | $805.22 | $882.49 | $160,161.86 |
| 52 | $800.81 | $886.90 | $159,274.95 |
| 53 | $796.37 | $891.34 | $158,383.61 |
| 54 | $791.92 | $895.80 | $157,487.82 |
| 55 | $787.44 | $900.27 | $156,587.54 |
| 56 | $782.94 | $904.78 | $155,682.77 |
| 57 | $778.41 | $909.30 | $154,773.47 |
| 58 | $773.87 | $913.85 | $153,859.62 |
| 59 | $769.30 | $918.42 | $152,941.20 |
| 60 | $764.71 | $923.01 | $152,018.20 |
| 第五年末 |
| 61 | $760.09 | $927.62 | $151,090.57 |
| 62 | $755.45 | $932.26 | $150,158.31 |
| 63 | $750.79 | $936.92 | $149,221.39 |
| 64 | $746.11 | $941.61 | $148,279.78 |
| 65 | $741.40 | $946.31 | $147,333.47 |
| 66 | $736.67 | $951.05 | $146,382.42 |
| 67 | $731.91 | $955.80 | $145,426.62 |
| 68 | $727.13 | $960.58 | $144,466.04 |
| 69 | $722.33 | $965.38 | $143,500.66 |
| 70 | $717.50 | $970.21 | $142,530.45 |
| 71 | $712.65 | $975.06 | $141,555.39 |
| 72 | $707.78 | $979.94 | $140,575.45 |
| 第六年末 |
| 73 | $702.88 | $984.84 | $139,590.61 |
| 74 | $697.95 | $989.76 | $138,600.85 |
| 75 | $693.00 | $994.71 | $137,606.14 |
| 76 | $688.03 | $999.68 | $136,606.46 |
| 77 | $683.03 | $1,004.68 | $135,601.78 |
| 78 | $678.01 | $1,009.70 | $134,592.07 |
| 79 | $672.96 | $1,014.75 | $133,577.32 |
| 80 | $667.89 | $1,019.83 | $132,557.49 |
| 81 | $662.79 | $1,024.93 | $131,532.57 |
| 82 | $657.66 | $1,030.05 | $130,502.52 |
| 83 | $652.51 | $1,035.20 | $129,467.32 |
| 84 | $647.34 | $1,040.38 | $128,426.94 |
| 第7年末 |
| 85 | $642.13 | $1,045.58 | $127,381.36 |
| 86 | $636.91 | $1,050.81 | $126,330.55 |
| 87 | $631.65 | $1,056.06 | $125,274.49 |
| 88 | $626.37 | $1,061.34 | $124,213.15 |
| 89 | $621.07 | $1,066.65 | $123,146.50 |
| 90 | $615.73 | $1,071.98 | $122,074.52 |
| 91 | $610.37 | $1,077.34 | $120,997.18 |
| 92 | $604.99 | $1,082.73 | $119,914.45 |
| 93 | $599.57 | $1,088.14 | $118,826.31 |
| 94 | $594.13 | $1,093.58 | $117,732.73 |
| 95 | $588.66 | $1,099.05 | $116,633.68 |
| 96 | $583.17 | $1,104.55 | $115,529.13 |
| 第八年末 |
| 97 | $577.65 | $1,110.07 | $114,419.07 |
| 98 | $572.10 | $1,115.62 | $113,303.45 |
| 99 | $566.52 | $1,121.20 | $112,182.25 |
| 100 | $560.91 | $1,126.80 | $111,055.45 |
| 101 | $555.28 | $1,132.44 | $109,923.01 |
| 102 | $549.62 | $1,138.10 | $108,784.91 |
| 103 | $543.92 | $1,143.79 | $107,641.13 |
| 104 | $538.21 | $1,149.51 | $106,491.62 |
| 105 | $532.46 | $1,155.26 | $105,336.36 |
| 106 | $526.68 | $1,161.03 | $104,175.33 |
| 107 | $520.88 | $1,166.84 | $103,008.49 |
| 108 | $515.04 | $1,172.67 | $101,835.82 |
| 第九年末 |
| 109 | $509.18 | $1,178.53 | $100,657.29 |
| 110 | $503.29 | $1,184.43 | $99,472.86 |
| 111 | $497.36 | $1,190.35 | $98,282.51 |
| 112 | $491.41 | $1,196.30 | $97,086.21 |
| 113 | $485.43 | $1,202.28 | $95,883.93 |
| 114 | $479.42 | $1,208.29 | $94,675.63 |
| 115 | $473.38 | $1,214.34 | $93,461.30 |
| 116 | $467.31 | $1,220.41 | $92,240.89 |
| 117 | $461.20 | $1,226.51 | $91,014.38 |
| 118 | $455.07 | $1,232.64 | $89,781.74 |
| 119 | $448.91 | $1,238.80 | $88,542.93 |
| 120 | $442.71 | $1,245.00 | $87,297.94 |
| 第10年末 |
| 121 | $436.49 | $1,251.22 | $86,046.71 |
| 122 | $430.23 | $1,257.48 | $84,789.23 |
| 123 | $423.95 | $1,263.77 | $83,525.46 |
| 124 | $417.63 | $1,270.09 | $82,255.38 |
| 125 | $411.28 | $1,276.44 | $80,978.94 |
| 126 | $404.89 | $1,282.82 | $79,696.12 |
| 127 | $398.48 | $1,289.23 | $78,406.89 |
| 128 | $392.03 | $1,295.68 | $77,111.21 |
| 129 | $385.56 | $1,302.16 | $75,809.05 |
| 130 | $379.05 | $1,308.67 | $74,500.38 |
| 131 | $372.50 | $1,315.21 | $73,185.17 |
| 132 | $365.93 | $1,321.79 | $71,863.38 |
| 第11年末 |
| 133 | $359.32 | $1,328.40 | $70,534.99 |
| 134 | $352.67 | $1,335.04 | $69,199.95 |
| 135 | $346.00 | $1,341.71 | $67,858.23 |
| 136 | $339.29 | $1,348.42 | $66,509.81 |
| 137 | $332.55 | $1,355.16 | $65,154.65 |
| 138 | $325.77 | $1,361.94 | $63,792.71 |
| 139 | $318.96 | $1,368.75 | $62,423.96 |
| 140 | $312.12 | $1,375.59 | $61,048.36 |
| 141 | $305.24 | $1,382.47 | $59,665.89 |
| 142 | $298.33 | $1,389.38 | $58,276.51 |
| 143 | $291.38 | $1,396.33 | $56,880.18 |
| 144 | $284.40 | $1,403.31 | $55,476.86 |
| 12年末 |
| 145 | $277.38 | $1,410.33 | $54,066.53 |
| 146 | $270.33 | $1,417.38 | $52,649.15 |
| 147 | $263.25 | $1,424.47 | $51,224.68 |
| 148 | $256.12 | $1,431.59 | $49,793.09 |
| 149 | $248.97 | $1,438.75 | $48,354.35 |
| 150 | $241.77 | $1,445.94 | $46,908.40 |
| 151 | $234.54 | $1,453.17 | $45,455.23 |
| 152 | $227.28 | $1,460.44 | $43,994.80 |
| 153 | $219.97 | $1,467.74 | $42,527.06 |
| 154 | $212.64 | $1,475.08 | $41,051.98 |
| 155 | $205.26 | $1,482.45 | $39,569.52 |
| 156 | $197.85 | $1,489.87 | $38,079.66 |
| 第13年末 |
| 157 | $190.40 | $1,497.32 | $36,582.34 |
| 158 | $182.91 | $1,504.80 | $35,077.54 |
| 159 | $175.39 | $1,512.33 | $33,565.21 |
| 160 | $167.83 | $1,519.89 | $32,045.33 |
| 161 | $160.23 | $1,527.49 | $30,517.84 |
| 162 | $152.59 | $1,535.12 | $28,982.72 |
| 163 | $144.91 | $1,542.80 | $27,439.92 |
| 164 | $137.20 | $1,550.51 | $25,889.40 |
| 165 | $129.45 | $1,558.27 | $24,331.13 |
| 166 | $121.66 | $1,566.06 | $22,765.08 |
| 167 | $113.83 | $1,573.89 | $21,191.19 |
| 168 | $105.96 | $1,581.76 | $19,609.43 |
| 第14年末 |
| 169 | $98.05 | $1,589.67 | $18,019.76 |
| 170 | $90.10 | $1,597.61 | $16,422.15 |
| 171 | $82.11 | $1,605.60 | $14,816.55 |
| 172 | $74.08 | $1,613.63 | $13,202.92 |
| 173 | $66.01 | $1,621.70 | $11,581.22 |
| 174 | $57.91 | $1,629.81 | $9,951.41 |
| 175 | $49.76 | $1,637.96 | $8,313.45 |
| 176 | $41.57 | $1,646.15 | $6,667.31 |
| 177 | $33.34 | $1,654.38 | $5,012.93 |
| 178 | $25.06 | $1,662.65 | $3,350.28 |
| 179 | $16.75 | $1,670.96 | $1,679.32 |
| 180 | $8.40 | $1,679.32 | $0.00 |
| 15年末 |
| 年 | 兴趣 | 校长 | 期末余额 |
|---|
| 一 | $11,769.23 | $8,483.33 | $191,516.67 |
| 2 | $11,246.00 | $9,006.57 | $182,510.10 |
| 3 | $10,690.49 | $9,562.07 | $172,948.02 |
| 四 | $10,100.72 | $10,151.84 | $162,796.18 |
| 5 | $9,474.58 | $10,777.98 | $152,018.20 |
| 6 | $8,809.82 | $11,442.75 | $140,575.45 |
| 七 | $8,104.05 | $12,148.51 | $128,426.94 |
| 8 | $7,354.76 | $12,897.80 | $115,529.13 |
| 9 | $6,559.25 | $13,693.31 | $101,835.82 |
| 10 | $5,714.68 | $14,537.89 | $87,297.94 |
| 11 | $4,818.01 | $15,434.55 | $71,863.38 |
| 12 | $3,866.04 | $16,386.52 | $55,476.86 |
| 13 | $2,855.36 | $17,397.21 | $38,079.66 |
| 14 | $1,782.34 | $18,470.23 | $19,609.43 |
| 15 | $643.13 | $19,609.43 | $0.00 |
贷款是借款人和贷款人之间的一份合同，其中借款人收到一定数额的资金（本金），他们有义务在未来偿还。贷款可以根据各种因素进行定制。可用选项的数量可能多得令人难以招架。两个最常见的决定因素是期限和每月付款金额，它们在上面的计算器中由选项卡分隔。
固定期限
抵押贷款、汽车贷款和许多其他贷款倾向于使用时间限制的方法来偿还贷款。特别是对于抵押贷款来说，选择30年或15年或其他期限的每月例行付款可能是一个非常重要的决定，因为债务期限的长短会影响一个人的长期财务目标。一些例子包括:
- 选择较短的抵押贷款期限是因为长期工作保障的不确定性，或者在有大量储蓄的情况下倾向于较低的利率
- 选择更长的抵押贷款期限，以便在发放社会保障退休福利时正确选择时间，这些福利可用于偿还抵押贷款
支付计算器可以帮助理清这些考虑的细节。它还可以用于决定汽车的融资方案，期限从12个月到96个月不等。尽管许多汽车购买者会倾向于选择最长的期限以获得最低的月供，但最短的期限通常会获得最低的汽车总支付额（利息+本金）。汽车购买者应该试验这些变量，看看哪个术语最适合他们的预算和情况。有关抵押贷款或汽车贷款的更多信息或计算方法，请访问 抵押计算器 或者 汽车贷款计算器。
每月固定付款金额
这种方法有助于确定还清贷款所需的时间，通常用于确定信用卡债务的偿还速度。这个计算器还可以估计一个在每个月底有一些额外资金的人多早可以还清贷款。只需将额外的金额添加到计算器的“月工资”部分。
计算可能会导致某个月供不足以偿还贷款的本金和利息。这意味着利息将以这样的速度增长，以至于无法按照给定的“月工资”偿还贷款。如果是这样，只需调整三个输入之一，直到计算出可行的结果。要么“贷款金额”需要更低，“月供”需要更高，要么“利率”需要更低。
利率
当使用该输入的数字时，区分利率和年利率（APR）非常重要。特别是当涉及非常大的贷款时，例如抵押贷款，差额可能高达数千美元。根据定义，利率就是借款本金的成本。另一方面，APR是衡量贷款成本的一个更广泛的指标，它计入了经纪人费用、折扣点、成交成本和管理费等其他成本。换句话说，这些额外的成本被添加到借款成本中，并在贷款期限内按比例分摊，而不是提前支付。如果贷款没有相关费用，则利率等于年利率。有关年利率或利率的更多信息或计算方法，请访问 APR计算器 或者 利率计算器。
借款人可以在计算器中输入利率和年利率（如果他们知道的话）来查看不同的结果。使用利率来确定贷款细节，而不增加其他成本。要找到贷款的总成本，请使用APR .广告中的APR通常会提供更准确的贷款细节。
可变与固定
当谈到贷款时，通常有两种可供选择的利息选项:可变（有时称为可调或浮动）或固定。大多数贷款都有固定利率，例如抵押贷款、汽车贷款或学生贷款等传统分期偿还贷款。可变贷款的例子包括可调利率抵押贷款、房屋净值信贷额度（HELOC）以及一些个人和学生贷款。如欲了解更多信息或进行任何其他贷款的计算，请访问 抵押计算器, 汽车贷款计算器, 学生贷款计算器，或者 个人贷款计算器。
可变利率信息
在可变利率贷款中，利率可能会根据通货膨胀或中央银行利率等指数而变化（所有这些指数通常都随经济而变化）。贷款人参考的可变利率最常见的金融指数是美国美联储或伦敦银行同业拆借利率（Libor）设定的关键指数利率。
因为可变贷款利率随时间变化，利率的波动将改变日常还款额；一个月内的利率变化会改变该月到期的月供以及贷款期限内的预期总利息。一些贷款机构可能会对可变贷款利率设置上限，即利率的最高限额，而不管指数利率变化多少。贷款人只是按照借款人同意的频率定期更新利率，最有可能在贷款合同中披露。因此，指数利率的变化并不一定意味着可变贷款利率的立即变化。一般来说，当指数利率呈下降趋势时，可变利率对借款人更有利。
信用卡利率可以是固定的或可变的。对于利率可变的信用卡，信用卡发行商不需要提前通知利率上调。信用良好的借款人有可能在其可变贷款或信用卡上要求更优惠的利率。有关更多信息或执行涉及偿还信用卡的计算，请使用 信用卡计算器 或者使用 信用卡支付计算器 偿还多张信用卡。
