01
分清本金和利息
还款表显示每期还款如何分到本金和利息。剩余本金较高时，利息占比通常较大；本金下降后，更多还款会用于本金。
📅 摊销计算器
查看贷款本金和利息随时间偿还的详细时间表。
月付款
—
总利息 —
总付款 —
摊销摘要
了解更多
02
按本人的贷款合同填写
请按自己的人民币（CNY）贷款合同或金融机构说明填写贷款金额、年利率和期限。还款方式、费用、提前还款条件和利率是否变化，以合同为准。
03
用还款表比较方案
同时查看每期还款、总利息和剩余本金，可以比较不同利率或期限的结果。变更合同或还款前，请查看金融机构的最新说明。
Extra payment and refinance comparison
Compare a remaining loan, recurring extra payments, and a hypothetical refinance using rates and costs you enter.
Scenario comparison
| Scenario | Scheduled monthly payment | Payoff | Total interest | Upfront cost/cash | Difference vs baseline interest |
|---|
Refinance cash-flow break-even—
Cash-flow change during planned hold—
Extra-payment time saved—
Monthly schedule
The on-screen table shows the first 24 months and final month. CSV export includes every simulated month.
| Month | Payment | Principal | Interest | Balance |
|---|
Assumptions, worked example, and source
- Rates are user-entered; no current lender rate or product recommendation is supplied. Most countries use annual rate ÷ 12. Canada uses nominal semi-annual compounding converted to a monthly rate.
- Extra payment is applied after scheduled interest with no prepayment charge. Enter any early-repayment charge in refinance costs and confirm overpayment limits with the lender.
- Refinance break-even accumulates monthly payment differences until they recover upfront costs. It is a cash-flow measure, not an equity, tax, opportunity-cost, or approval analysis.
- The default worked example compares one remaining balance over its remaining term. Replace every assumption with the current statement and a formal refinance quote.
Consumer authority mortgage reference for this country · Method reviewed 2026-07-30.
常见问题
为什么摊还时间表中本金和利息的比例会不断变化？
利息按每月剩余余额计算，因此贷款初期余额较高，利息占比较大，本金偿还较少。随着时间推移余额逐渐减少，本金占比会逐渐增大。
这个计算器使用什么公式计算月供？
采用标准摊还公式 M = P × [r(1+r)^n] / [(1+r)^n − 1]，其中P为贷款本金，r为月利率，n为总还款期数。
缩短贷款期限能省下多少总利息？
期限越短，月供越高，但计息时间更短，总利息负担会大幅减少。例如将30年期改为15年期，总利息往往能减少一半以上。
中途额外偿还本金有什么效果？
额外还款会全部用于减少本金，从而降低此后计息所依据的余额。在贷款早期额外还款，节省的利息更多，还清时间也更短。
计算结果中是否包含税费和保险？
不包含，本计算器只计算本金和利息（P&I）。实际房贷月供中通常还需另计物业税和房主保险等费用。