个人贷款计算器 — 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.

  1. Monthly rate = 10% / 12 = 0.833%
  2. Payments = 3 × 12 = 36
  3. Monthly payment = $322.67
  4. Total repaid = $322.67 × 36 = $11,616
  5. Total interest = $11,616 - $10,000 = $1,616