免费贷款摊销计算器
生成详细的贷款摊销明细表，了解每期还款中本金和利息的构成比例。
每月还款额
$1,199.10
Monthly Payment vs Loan Term
公式
## How Loan Amortization Works Amortization is the process of spreading loan payments over time. Each payment covers interest on the remaining balance plus a portion of the principal. ### Formula **Monthly Payment: M = P * [r(1+r)^n] / [(1+r)^n - 1]** For each payment: - **Interest portion** = Remaining balance * monthly rate - **Principal portion** = Monthly payment - interest portion Early payments are mostly interest; later payments are mostly principal.
计算示例
A $200,000 loan at 6% interest for 30 years.
- 01Monthly rate: 6% / 12 = 0.5% (0.005)
- 02Total payments: 30 * 12 = 360
- 03Monthly payment = $200,000 * [0.005 * (1.005)^360] / [(1.005)^360 - 1] = $1,199.10
- 04First month interest: $200,000 * 0.005 = $1,000.00
- 05First month principal: $1,199.10 - $1,000.00 = $199.10
- 06Total paid: $1,199.10 * 360 = $431,676.00
- 07Total interest: $431,676.00 - $200,000 = $231,676.00
常见问题
What is loan amortization?
Loan amortization is the process of paying off debt through regular payments over time. Each payment is split between interest and principal reduction.
Why do I pay more interest at the beginning?
Interest is calculated on the remaining balance. Since the balance is highest at the start, more of each early payment goes toward interest. As the balance decreases, more goes toward principal.
Can I pay off my loan faster?
Yes. Making extra payments toward principal reduces your balance faster, which decreases total interest and shortens the loan term.
How much interest do I save by making one extra mortgage payment per year?
Making one extra mortgage payment per year can shorten a 30-year mortgage by 4-5 years and save tens of thousands in interest, depending on your rate and balance. For example, on a $300,000 loan at 6.5%, paying one extra payment per year could save over $60,000 in interest.
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