基础还款计算器
计算每月还款额，对比本息同还与只付利息，查看完整还款表。
🏠贷款详情
$800,000
$160,000
贷款金额$640,000
6.2%
30 年
$0
📅 月还款额 (P&I)
$3,920
💰 总利息
$771,129
✅ 还清年限
30 年
📈 贷款余额走势
📊 本金与利息构成
📋 年度还款明细
| 年份 | 还本金 | 付利息 | 贷款余额 |
|---|---|---|---|
| Y1 | $7,570 | $39,467 | $632,430 |
| Y3 | $8,567 | $38,471 | $615,809 |
| Y5 | $9,695 | $37,343 | $597,001 |
| Y7 | $10,971 | $36,066 | $575,716 |
| Y9 | $12,416 | $34,622 | $551,629 |
| Y11 | $14,050 | $32,987 | $524,372 |
| Y13 | $15,900 | $31,138 | $493,525 |
| Y15 | $17,993 | $29,044 | $458,617 |
| Y17 | $20,362 | $26,675 | $419,114 |
| Y19 | $23,043 | $23,995 | $374,409 |
| Y21 | $26,077 | $20,961 | $323,820 |
| Y23 | $29,510 | $17,528 | $266,569 |
| Y25 | $33,395 | $13,643 | $201,782 |
| Y27 | $37,792 | $9,246 | $128,465 |
| Y29 | $42,767 | $4,271 | $45,495 |
| Y30 | $45,495 | $1,542 | $0 |
📌 还款概要
贷款金额$640,000
LVR80.0%
月还款额$3,920
周还款额$905
总还款额$1,411,129
利息占比54.6%
💡 省息技巧
- • 双周还款可减少总利息约 8%
- • 每月多还 $200 可缩短贷款 4-5 年
- • Offset 账户可减少利息计算基数
- • 固浮利率各有优劣，需个案分析
- • 贷款价值比高于 80% 时，通常需要贷款保险
Mortgage Repayment Calculator Australia (2026)
Last updated: February 20, 2026
Use this calculator to compare principal-and-interest vs interest-only scenarios, test extra repayments, and understand loan balance reduction over time.
Inputs that change outcomes most
- Interest rate and repayment type
- Loan term length
- Deposit size and starting LVR
- Consistent extra repayments
References
- Public lender amortization and repayment documentation
- APRA and consumer guidance references on lending prudence