Loan repayment calculator
Repayment 每 week、fortnight 或 month, with extra payments、the 利息 you save.
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% 每年
年
£
关于Loan repayment calculator
Repayment 每 week、fortnight 或 month, with extra payments、the 利息 you save.
属于 SmartCalcy“财务”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Loan repayment calculator
它计算什么，何时使用
Calculates loan repayments 每 week、每月 fortnight, twice 或 month, with extra payments、the 利息 you save.
使用步骤
- Enter the loan 数量、利率、期限.
- Choose the repayment 频率.
- Optionally add an extra 数量 至 every payment.
各输入项的含义
- 薪酬 – How often you make payments.
- Extra with 每件 payment – Added on top 和 applied 至 principal.
如何阅读结果
- Repayment – The 数量 due 每件 周期.
- 每月 equivalent – The payment converted 至 a 每月 数量.
- With extra payments – The new payoff 时间 和 节省.
公式
Payment = P × i ÷ (1 − (1 + i)^−n)、where i 是 the yearly rate ÷ payments per year、n 是 the term × payments per year.
计算示例
total, with 5,057 的 25,000 at 7.5% over 5 years paid monthly costs 500.95 a month, 30,057 利息.
假设与局限
- The 利率 compounds 以 the payment 频率.
- Fees 和 insurance are excluded.
常见错误
- Assuming 每周 payments save a lot. They only help when payments are smaller than a 每月 instalment.
常见问题
Is it cheaper 至 薪酬 fortnightly?
Slightly, because 利息 是 charged on a 余额 that falls more often, but check how your lender calculates 利息.
相关工具
月还款额
£500.95
60 期还款 · 共 £30,057
借款金额 £25,000利息 £5,057
详情
- 总利息
- £5,056.92
- 每月 equivalent
- £500.95
逐年明细
| 年份 | 本金 | 利息 | 余额 |
|---|---|---|---|
| 1 | £4,282 | £1,730 | £20,718 |
| 2 | £4,614 | £1,397 | £16,104 |
| 3 | £4,972 | £1,039 | £11,132 |
| 4 | £5,358 | £653 | £5,774 |
| 5 | £5,774 | £237 | £0 |
Paying weekly 或 fortnightly saves a little interest only when each payment 是 a fraction the monthly one. Rates are treated as compounding at the payment frequency.