---
title: "还款计算器 - 房贷计算·车贷计算·提前还款计算·贷款计算器 - Reviews, Revenue and Downloads in China | Apple App Store"
description: "还款计算器，帮你把复杂贷款合同转换成可对账的还款计划，并计算更贴近真实借款成本的年化结果（IRR / 有效 APR），看清每月月供背后的本金、利息与总成本。既是还款计算器，也是贷款计算器；既能做贷款测算，也能做购房与持有相关的生活决策比较。  适用场景：房贷、车贷、消费贷/信用贷、国家助学贷款、信用卡分期，以及购房能力评估、住宅买还是租、车位买还是租等生活决策测算。  功能亮点： • 免费无广告，"
---

# 还款计算器 - 房贷计算·车贷计算·提前还款计算·贷款计算器 — China
> 贴息·展期·首套·利息本金占比可视化·真实年化·对比·分享

![还款计算器 App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/9b/57/1b/9b571b36-0c95-4146-0f86-50fb5652fbf8/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/434x0w.png)

**Developer:** [梁臣 卿](https://apptail.io/developer/developer-rHBvzb)
**Category:** Finance
**Rating:** 4.6/5 (24 ratings)
**Price:** Free
**Bundle ID:** com.matrixqlc.repaymentcalculator
**Store:** Apple App Store
**Country:** China
**Version:** 1.1.9 (released 2026-10-14)
**Original Release:** 2026-02-02
**Languages:** English, Chinese

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/cn/app/app/id6758029197)
**AppTail Page:** [https://apptail.io/app/app-BZxy/china](https://apptail.io/app/app-BZxy/china)

## 还款计算器 Description
还款计算器，帮你把复杂贷款合同转换成可对账的还款计划，并计算更贴近真实借款成本的年化结果（IRR / 有效 APR），看清每月月供背后的本金、利息与总成本。既是还款计算器，也是贷款计算器；既能做贷款测算，也能做购房与持有相关的生活决策比较。

适用场景：房贷、车贷、消费贷/信用贷、国家助学贷款、信用卡分期，以及购房能力评估、住宅买还是租、车位买还是租等生活决策测算。

功能亮点：
• 免费无广告，离线可用
• 多种贷款/还款模板选择
• 房贷：商贷、公积金、组合贷
• 首套房贷财政贴息测算：适用于符合条件的中国大陆新购纯商贷，查看累计贴息、贴息后自付利息及提前还款减少的贴息；结果按月估算，实际以银行审核与结算为准
• 存量房贷延长期限测算：对比延长前后的月供、未来利息、总还款额与还清时间，支持组合贷商贷段
• 车贷：等本等息 / 支持尾款 / 气球贷 / 附加费用等
• 消费贷 / 信用贷
• 国家助学贷款
• 信用卡（分期 / 循环简版）
• 生活决策：购房能力评估、住宅买还是租、车位买还是租
• 多种还款方式：等额本息、等额本金、等本等息、短期还款方式
• 房贷金额支持“面积 + 单价”快速换算
• 支持自动获取最新 LPR 默认值，并提供离线兜底
• 真实年化（IRR）：将手续费、到手金额等因素纳入计算
• 还款明细与图表：每期本金 / 利息 / 剩余本金清晰展示，并提供提前还款价值分析
• 提前还款测算：提前结清、部分提前还款（缩期 / 降供），支持违约金与规则设置，支持部分提前还款后再继续部分提前还款
• 还款期数与真实时间映射：结果、图表与明细支持按期数对应实际年月查看
• 一键分享：分享卡片 + CSV 表格导出
• 隐私优先：方案默认本地保存，可选同步至你的个人 iCloud，匿名统计可关闭

免责声明：本应用仅提供贷款/还款测算、生活决策比较与信息展示，不构成金融、投资、法律、税务或购房决策建议。实际合同条款、银行口径、政策要求与市场情况可能存在差异，请以实际合同、官方政策与专业意见为准。

使用条款（EULA）：

## 还款计算器 Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cf/97/f9/cf97f93c-2612-4ca7-2471-cc6305a60edf/CN_10__U8f66_U8d37_U771f_U5b9e_U5e74_U5316.png/1320x2868.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/24/fa/4f/24fa4f72-c2f6-b300-22bf-4aee7fa58dd0/CN_02__U4e70_U8f66_U51b3_U7b56.png/1320x2868.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/75/20/22/75202288-97cf-e7f5-bad0-7b5bd9f2bd0a/CN_01__U6a21_U677f_U5347_U7ea7.png/1320x2868.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/43/96/c4/4396c439-8a01-6cbd-66ff-833181e7ebb8/CN_03__U8f66_U4f4d_U4e70_U79df.png/1320x2868.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/38/16/81/3816817c-5e43-a84c-d3fc-cceeeb866c83/CN_04__U7ed3_U6784_U56fe_U8868.png/1320x2868.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b6/1c/20/b61c2083-d319-1d28-35ce-45c1d11767ff/CN_07__U63d0_U524d_U8fd8_U6b3e_U6536_U76ca.png/1320x2868.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d4/9a/7e/d49a7eaa-e310-db39-2414-48ba3e490bcc/CN_06__U63d0_U524d_U8fd8_U6b3e_U8bd5_U7b97.png/1320x2868.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8b/12/c0/8b12c047-7e68-48a2-3151-1116c2c9a95f/CN_08__U8fd8_U6b3e_U540e_U660e_U7ec6.png/1320x2868.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/87/2f/3d/872f3d3d-03a5-46dc-a398-2569ea0e050f/CN_01__U65b9_U6848_U7ba1_U7406.png/1320x2868.png)

## 还款计算器 Rating Breakdown in China
- 5 stars: 21 (88%)
- 4 stars: 1 (4%)
- 3 stars: 0 (0%)
- 2 stars: 0 (0%)
- 1 stars: 2 (8%)






## 还款计算器 Available In
- [China](https://apptail.io/app/app-BZxy/china)
- [Taiwan](https://apptail.io/app/app-BZxy/taiwan)
- [United States](https://apptail.io/app/app-BZxy/united-states)
- [Australia](https://apptail.io/app/app-BZxy/australia)
- [Belgium](https://apptail.io/app/app-BZxy/belgium)
- [Bulgaria](https://apptail.io/app/app-BZxy/bulgaria)
- [Bahrain](https://apptail.io/app/app-BZxy/bahrain)
- [Brazil](https://apptail.io/app/app-BZxy/brazil)
- [Belarus](https://apptail.io/app/app-BZxy/belarus)
- [Belize](https://apptail.io/app/app-BZxy/belize)
- [Switzerland](https://apptail.io/app/app-BZxy/switzerland)
- [Chile](https://apptail.io/app/app-BZxy/chile)
- [Colombia](https://apptail.io/app/app-BZxy/colombia)
- [Cyprus](https://apptail.io/app/app-BZxy/cyprus)
- [Czechia](https://apptail.io/app/app-BZxy/czechia)
- [Germany](https://apptail.io/app/app-BZxy/germany)
- [Denmark](https://apptail.io/app/app-BZxy/denmark)
- [Algeria](https://apptail.io/app/app-BZxy/algeria)
- [Spain](https://apptail.io/app/app-BZxy/spain)
- [Finland](https://apptail.io/app/app-BZxy/finland)
- [Hong Kong SAR China](https://apptail.io/app/app-BZxy/hong-kong)
- [Hungary](https://apptail.io/app/app-BZxy/hungary)
- [Italy](https://apptail.io/app/app-BZxy/italy)
- [Kenya](https://apptail.io/app/app-BZxy/kenya)
- [South Korea](https://apptail.io/app/app-BZxy/south-korea)
- [Lebanon](https://apptail.io/app/app-BZxy/lebanon)
- [Latvia](https://apptail.io/app/app-BZxy/latvia)
- [North Macedonia](https://apptail.io/app/app-BZxy/north-macedonia)
- [Macao SAR China](https://apptail.io/app/app-BZxy/macau)
- [Malta](https://apptail.io/app/app-BZxy/malta)
- [Malaysia](https://apptail.io/app/app-BZxy/malaysia)
- [Netherlands](https://apptail.io/app/app-BZxy/netherlands)
- [Norway](https://apptail.io/app/app-BZxy/norway)
- [Oman](https://apptail.io/app/app-BZxy/oman)
- [Panama](https://apptail.io/app/app-BZxy/panama)
- [Peru](https://apptail.io/app/app-BZxy/peru)
- [Poland](https://apptail.io/app/app-BZxy/poland)
- [Portugal](https://apptail.io/app/app-BZxy/portugal)
- [Qatar](https://apptail.io/app/app-BZxy/qatar)
- [Romania](https://apptail.io/app/app-BZxy/romania)
- [Saudi Arabia](https://apptail.io/app/app-BZxy/saudi-arabia)
- [Sweden](https://apptail.io/app/app-BZxy/sweden)
- [Senegal](https://apptail.io/app/app-BZxy/senegal)
- [Suriname](https://apptail.io/app/app-BZxy/suriname)
- [Tunisia](https://apptail.io/app/app-BZxy/tunisia)
- [Türkiye](https://apptail.io/app/app-BZxy/turkey)
- [Ukraine](https://apptail.io/app/app-BZxy/ukraine)
- [United Arab Emirates](https://apptail.io/app/app-BZxy/united-arab-emirates)
- [Uzbekistan](https://apptail.io/app/app-BZxy/uzbekistan)
- [Armenia](https://apptail.io/app/app-BZxy/armenia)
- [Argentina](https://apptail.io/app/app-BZxy/argentina)

---

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