Calculate monthly payments, total interest, and view amortization schedule
Direct answers about mortgage, loan, income-tax and car cost calculations.
Monthly payment, total interest and total repayment for a mortgage or loan, plus a full amortisation schedule showing the principal, interest and remaining balance for every period. It also includes personal income tax and car total cost of ownership calculators.
Under equal payment (等额本息) the monthly payment is constant: interest takes a large share early on and principal takes over later. Under equal principal (等额本金) the principal repaid each period is constant, so the monthly payment starts higher and decreases; total interest is lower than under equal payment, but the early cash-flow burden is higher.
Yes — every period is listed with its principal component, interest component and remaining balance.
It is free, requires no account, and runs entirely in your browser. Input figures are never uploaded.
The calculator has a currency selector, with CNY (¥) as the default.
It sums purchase cost and ongoing running costs — fuel or electricity, insurance, maintenance and depreciation over the ownership period and annual mileage entered — and reports total cost and cost per kilometre.
The tax panel takes pre-tax monthly salary, social-insurance base, housing-fund ratio and special additional deductions, then shows the taxable amount, the applicable rate, cumulative deductions and the after-tax salary.