Kalkulator Bayaran Balik
Kira jadual pembayaran balik pinjaman anda: bayaran bulanan, jumlah faedah dan pecahan prinsipal berbanding faedah dari semasa ke semasa.
Butiran Anda
Enter loan amount, interest rate, and repayment period in years to see your monthly payment and schedule.
Bayaran Bulanan Anda
$0
Dwimingguan: $0 • Mingguan: $0
Number of Payments
0
Jumlah Faedah
$0
Jumlah Kos
$0
Faedah %
0%
Pecahan Pembayaran
Bandingkan Syarat
| Penggal | Bulanan | minat |
|---|
Jadual Pembayaran (12 Bulan Pertama)
| bulan | Bayaran | Pengetua | minat | Baki |
|---|
Panduan Pengguna Lengkap
What is the Repayment Calculator?
Kalkulator ini mengira pembayaran balik pinjaman bulanan tetap anda menggunakan formula pelunasan standard. Masukkan jumlah pinjaman, kadar faedah tahunan, dan tempoh pembayaran balik dalam tahun. Anda mendapat bayaran bulanan, jumlah faedah sepanjang hayat pinjaman, pecahan prinsipal vs faedah, dan 12 bulan pertama jadual. Anda juga boleh membandingkan panjang istilah yang berbeza.
The repayment amount is the same every month; only the split between principal and interest changes. Early in the loan, most of each payment goes to interest; toward the end, most goes to principal.
Repayment Formula
Formula standard untuk pembayaran balik bulanan tetap (pinjaman pelunasan):
M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]
M = monthly payment, P = principal, r = monthly rate (annual ÷ 12), n = number of payments
Konsep Utama
Pengetua
Jumlah yang anda pinjam. Setiap pembayaran membayar pokok dan faedah; awal-awal lagi kebanyakan bayaran adalah faedah.
Repayment period
Shorter terms mean higher monthly payments but less total interest; longer terms mean lower payments but more interest paid over time.
Pelunasan
Paying off the loan with equal monthly payments. The schedule shows how each payment is split between principal and interest each month.
Cara Menggunakan Kalkulator Ini
- Enter the loan amount (total you plan to borrow).
- Enter the annual interest rate and repayment period in years.
- Click Calculate Repayment to see monthly payment, total interest, breakdown chart, term comparison, and first 12 months schedule.
- Review the charts and term comparison to see how different terms affect payment and total cost.
Memahami Keputusan Anda
Monthly payment
Amaun tetap yang anda bayar setiap bulan. Perpecahan antara prinsipal dan faedah berubah dari semasa ke semasa.
Total interest
Jumlah semua faedah sepanjang hayat pinjaman. Tempoh pembayaran balik yang lebih pendek mengurangkan ini.
Faedah %
The percentage of total payments that goes to interest. A lower percentage means less cost of borrowing.
Term comparison and schedule
Compare different term lengths. The schedule shows the first 12 months: payment, principal, interest, and remaining balance.
Memahami Carta
Pecahan Pembayaran
Carta donat yang menunjukkan jumlah prinsipal lwn jumlah faedah sepanjang tempoh penuh.
Principal vs Interest (First 12 Months)
A stacked bar chart showing how each monthly payment is split between principal and interest in the first year.
Pemisahan Bayaran Biasa Dari Masa
Dalam pinjaman pelunasan, bahagian setiap pembayaran yang dikenakan kepada faedah vs prinsipal berubah:
| Tempoh | Interest share | Principal share |
|---|---|---|
| Early months | Higher | Lower |
| Final months | Lower | Higher |
Nota Penting
- Ini adalah untuk anggaran sahaja. Bayaran sebenar mungkin berbeza mengikut yuran, insurans atau penggenapan pemberi pinjaman.
- Biweekly and weekly figures are approximate.
- Compare offers from multiple lenders. APR and fees can vary significantly.