Reverse loan term
Infer the exact equal-installment term from principal, fixed payment and annual rate, including the practical upward-rounded month count.
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Term result
The exact term may be fractional; practical months are rounded up.
Enter reverse-loan JSON to calculate
: 0 · : 0 · : 0
What this tool does
- Estimate term from an affordable monthly payment.
- Compare repayment duration at different rates.
Example
Input
{"principal":100000,"payment":2987.09,"annualRate":4.8}Output
Exact term / 精确期数: 36.01 months / 期 Rounded term / 实际需取整: 37 months / 期 Scheduled payment / 每月还款: 2987.09 Approximate total / 按精确期数合计: 107575.06
Principal and payment are currency amounts and annual rate is a percentage; the exact term may be fractional and is normally rounded up for a schedule.
Frequently asked questions
Why show exact and rounded terms?
The annuity equation gives a continuous value, while schedules use whole months and round up.
Can zero interest be reversed?
Yes. Term equals principal divided by payment.
What if payment is too low?
When it does not exceed first-month interest, the balance cannot amortize and an error is returned.
Keywords：反算期数贷款期限还款月数loan termmonthsannuity