房贷计算器

UpBox优盒工具箱，免费在线房贷计算器，输入贷款金额、年利率与年限，实时计算等额本息和等额本金的月供、总利息、总还款与逐期还款明细，支持导出 CSV。

无需注册 · 数据不上传No sign-up · nothing uploaded

贷款参数Loan inputs

贷款金额万元年利率 % 贷款年限年还款方式

结果为估算，未包含提前还款、利率调整与手续费；实际以银行合同为准

已按当前参数计算

还款概览Summary

每月月供—

总利息—

总还款—

还款期数—

逐期还款明细

本工具所有运算在本地浏览器完成，你的文件、文本不会上传到服务器

工具介绍

输入金额、年利率和年限，月供、总利息、总还款立刻出现。切换等额本息与等额本金，可以直观看到两者在首月压力和总利息上的差别。 Enter the amount, rate and term to see monthly payment, total interest and total repayment immediately. Switching between equal-payment and equal-principal shows the trade-off between early pressure and total interest.

下方明细列出每一期的月供、本金、利息和剩余本金，能直接看出利息在前些年占多大比例。整表可导出 CSV，拿去和银行给的还款计划对一遍。 The schedule lists payment, principal, interest and remaining balance for every period, making it easy to see how much of the early payments is interest. Export the table as CSV to compare with the bank plan.

等额本息Equal payment
等额本金Equal principal
逐期明细Full schedule
CSV 导出CSV export
实时重算Live recalculation

使用说明

填写贷款金额（万元）。Enter the loan amount.
填写年利率与贷款年限。Set the annual rate and term.
选择等额本息或等额本金。Choose equal payment or equal principal.
查看概览与明细，可导出 CSV。Review the summary and schedule, export if needed.

常见问题

等额本息和等额本金怎么选？Which repayment method should I pick?

等额本息每月固定、前期压力小、总利息更高；等额本金首月最高、逐月递减、总利息更低。Equal payment keeps a fixed monthly amount with lower early pressure but more total interest; equal principal starts higher and declines, costing less interest overall.

结果和银行算的差几块钱？Why does it differ from the bank by a few yuan?

银行可能按日计息、按月取整或收取账户管理费，这里按标准月利率与逐期摊还计算，属估算。Banks may use daily interest, rounding or fees; this uses a standard monthly rate and amortization, so it is an estimate.

支持公积金或组合贷吗？Does it support fund loans or mixed loans?

当前一次只算一笔贷款。组合贷可分别计算后把月供与利息相加。One loan at a time; for mixed loans calculate each part and add the payments and interest.

提前还款能算吗？Can it handle prepayment?

暂不支持，可缩短年限后重新计算，粗略对比提前还清的效果。Not yet — shorten the term and recalculate for a rough comparison.