提前还款计算器
对比减少月供与缩短期限两种策略，精准节省利息
| 项目 | 原还款计划 | 方式1：减少月供 | 方式2：缩短期限 |
|---|---|---|---|
| 每月还款 | -- | -- | -- |
| 剩余期数 | -- | -- | -- |
| 总利息 | -- | -- | -- |
| 节省利息 | -- | -- | -- |
对比减少月供与缩短期限两种策略，精准节省利息
| 项目 | 原还款计划 | 方式1：减少月供 | 方式2：缩短期限 |
|---|---|---|---|
| 每月还款 | -- | -- | -- |
| 剩余期数 | -- | -- | -- |
| 总利息 | -- | -- | -- |
| 节省利息 | -- | -- | -- |
当你有一笔额外的资金可以提前偿还贷款时，银行通常提供两种调整方式：减少月供，期限不变 或 缩短还款期限，月供基本不变。两种策略的总利息节省效果差异明显，本工具帮你直观对比。
缩短期限的推导：如果保持原月供 M 不变，偿还新本金 P'，则新期数 n' 满足：M = P' × r × (1+r)^n' / [(1+r)^n' - 1]。通过代数变形，可解出 n' = ceil( log(M / (M - P' × r)) / log(1+r) )。
因为在相同的月供下，本金减少的速度更快，利息计算的基础（剩余本金）下降得更快。相比之下，减少月供虽然减轻了每月现金压力，但本金减少缓慢，银行收取利息的周期更长，总利息节省有限。
示例：剩余本金50万，年利率4.2%，剩余20年。若一次性还款5万元，选择缩短期限，利息可节省约8.9万元；若选择减少月供，仅节省约3.2万元。
中国部分银行要求还款满1年后才可申请提前还款，且可能收取提前还款金额的1%-3%作为违约金。请查阅你的贷款合同或咨询银行。
如果是等额本息还款，前期利息占比高，提前还款越早进行越划算。剩余期限较短时，节省的利息可能有限，但提前还清仍能减少总支出。
略有不同。每月额外还款相当于将额外金额分散到每一期，本质上也是缩短期限或减少月供的复合。本工具目前支持一次性额外还款，每月额外还款功能将随后推出。
Compare reducing monthly payments vs. shortening loan term
| Item | Original Plan | Strategy 1: Reduce Payment | Strategy 2: Shorten Term |
|---|---|---|---|
| Monthly Payment | -- | -- | -- |
| Remaining Months | -- | -- | -- |
| Total Interest | -- | -- | -- |
| Interest Saved | -- | -- | -- |
When you make an extra payment on a loan, you typically have two options: reduce your monthly payment while keeping the same term or shorten the term while keeping the payment roughly the same. The latter usually saves significantly more total interest.
Term shortening derivation: keeping M constant for a new lower principal P', the new term n' solves M = P' × r × (1+r)^n' / [(1+r)^n' - 1], which can be rearranged to n' = ceil( log(M / (M - P' × r)) / log(1+r) ).
Remaining principal $100,000, rate 4.2%, 20 years, extra payment $10,000. Shortening the term saves about $8,900 in interest; reducing the payment saves only about $3,200.
Check your loan agreement. Some lenders charge a fee for early repayment, especially within the first few years.
It depends on your alternative investment returns. If you can earn more than your mortgage rate by investing, you might prefer not to pay off early. Use our compound interest calculator to compare scenarios.
This calculator currently supports one-time lump sum extra payments. Extra monthly payments require a more detailed amortization simulation, which will be added in a future update.