免费个人贷款计算器
计算个人贷款的月供、总利息和还款计划，比较不同贷款方案。
USD
%
每月还款额
$322.67
Total Repaid$11,616.19
总利息$1,616.19
Principal
Total Interest
Monthly Payment vs Interest Rate (APR)
公式
Personal Loan Formula
Uses the standard amortization formula:
M = P × [r(1+r)^n] / [(1+r)^n - 1]
计算示例
$10,000 personal loan at 10% APR for 3 years.
- 01Monthly rate = 10% / 12 = 0.833%
- 02Payments = 3 × 12 = 36
- 03Monthly payment = $322.67
- 04Total repaid = $322.67 × 36 = $11,616
- 05Total interest = $11,616 - $10,000 = $1,616
常见问题
What is a typical personal loan rate?
Rates range from 6% (excellent credit) to 36% (poor credit). The average is around 10-12%.
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