攤還計算器
產生完整貸款攤還表，支援按月或按年分組與額外還款
Loan Details
快速示例
Amortization Results
計算過程
Monthly Payment
如果……呢？
每一行都基於你目前的輸入重新計算，點擊一行即可套用該方案。
比較兩個方案
Full Amortization Schedule
| Year | Payment | Principal | Interest | Extra | Balance | Cumulative Interest |
|---|
Enter loan details to build the schedule
Fill in loan amount, rate and term above
Amortization Calculator FAQ
What is an amortization schedule?
It is the table showing every periodic payment of a loan, split into interest and principal, with the remaining balance after each payment. Early payments are mostly interest; as the balance falls, more of each payment goes to principal.
How do extra payments change the schedule?
An extra amount paid each month goes straight to principal. That reduces the balance faster, which cuts total interest and shortens the term. The schedule above recalculates instantly, and the summary shows the months and interest saved.
Why is my lender's schedule slightly different?
Lenders may use actual-day interest, irregular first periods, rounding conventions, or escrow rows. This calculator uses the standard 30-day month convention with monthly compounding, which matches most US fixed-rate loan disclosures.