Loan calculator
The standard amortization formula. Switch the regional label — the algebra is the same reducing-balance math.
默认为您所在地区。可切换以比较其他标准。
Fixed payment, monthly compounding.
结果
¥0.00
Monthly payment
- Total interest¥0.00
- Total paid¥0.00
- Payments12
First 12 payments
| No. | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 2 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 3 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 4 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 5 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 6 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 7 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 8 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 9 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 10 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 11 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
| 12 | ¥0.00 | ¥0.00 | ¥0.00 | ¥0.00 |
公式
M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]r = annual rate ÷ 12, n = years × 12
计算方法
- Enter principal, annual interest, and term.
- Monthly rate r = APR/12; n = months.
- Payment is the annuity formula; leftover is interest.
常见问题
Is Indian EMI a different formula?
Reducing-balance EMI used by Indian banks is the same amortization equation. Processing fees and GST on charges are extra — use the EMI page to add them.