金融

房贷计算器

计算月供、总利息和还款计划表

$
$
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包含税费、保险及其他费用
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$
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$
$
高级选项（增幅与额外还款）

税费及成本年度增幅

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%
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额外还款

$
$
$
每月还款
$1,995
每月 总计
本金与利息
房产税
房屋保险
PMI及费用
总支出
房屋价格
贷款总额
首付
总还款额
总利息
还清日期

还款计划表

月份 日期 利息 本金 剩余本金
使用方法
  1. Enter the home price — the purchase price of the home.
  2. Set your down payment as a dollar amount or percentage.
  3. Choose the loan term (10, 15, 20, 25, or 30 years).
  4. Enter the annual interest rate from your lender.
  5. 可选输入房产税、房屋保险和PMI以计算总款项。
  6. Click 计算 to see your monthly payment and full amortization schedule.

公式

M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
M = Monthly payment
P = Principal loan amount
r = Monthly interest rate (annual rate ÷ 12)
n = Number of payments (years × 12)

Calculating your monthly mortgage payments accurately is an essential step in buying a home. This calculator factors in your principal, interest rate, property taxes, and home insurance to give you a comprehensive estimate. Understanding amortization helps you see how much of your payment goes towards the principal versus interest over time. For more detailed insights into home financing, explore Investopedia's comprehensive guide to Mortgages.