Consumer loan calculator
Calculate consumer-loan schedules using equal-installment or equal-principal repayment with explicit currency, percentage and month units.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Loan JSON
Consumer loan result
Amounts are currency, rate is annual percent, and term is months.
Enter loan JSON to calculate
: 0 · : 0 · : 0
What this tool does
- Calculate fixed consumer-loan payments.
- Compare total interest across repayment methods.
Example
Input
{"principal":50000,"annualRate":6,"months":24}Output
Monthly payment / 月供: 2216.03 First payment / 首期: 2216.03 Last payment / 末期: 2216.03 Total payment / 本息合计: 53184.73 Total interest / 利息合计: 3184.73
Principal is a currency amount, annual rate is a percentage and term is months; platform, insurance and early-repayment fees are excluded.
Frequently asked questions
Should I enter 6 or 0.06?
Enter 6 for a 6% annual rate.
Is zero interest supported?
Yes. Payment is principal divided by months.
Are service fees modeled?
No. Only principal and interest are calculated.
Keywords：消费贷贷款计算等额本息等额本金consumer loanpayment