Car loan calculator
Calculate car-loan payments, total repayment and interest using equal-installment or equal-principal schedules with strict units and validation.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Loan JSON
Car loan result
Principal is currency, rate is annual percent, and term is months.
Enter loan JSON to calculate
: 0 · : 0 · : 0
What this tool does
- Compare equal-installment and equal-principal car loans.
- Estimate monthly payment and interest for different terms.
Example
Input
{"principal":100000,"annualRate":4.8,"months":36}Output
Monthly payment / 月供: 2988.12 First payment / 首期: 2988.12 Last payment / 末期: 2988.12 Total payment / 本息合计: 107572.26 Total interest / 利息合计: 7572.26
Principal is a currency amount, annual rate is a percentage and term is in months; fees, insurance and rounding adjustments are excluded.
Frequently asked questions
What is the annual-rate unit?
Enter a percentage: 4.8 means 4.8%, not 0.048.
How do the methods differ?
Equal-installment keeps payment level; equal-principal starts higher and declines.
Are fees included?
No. Only principal and monthly-rate interest are modeled.
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