🧮 债务整合计算器Debt Consolidation Calculator
把多笔信用卡/贷款（余额、利率、月供）与一笔整合贷款对比：还清时间、总利息和每月节省。Compare several debts (balance, rate, monthly payment) with one consolidation loan: payoff time, total interest and monthly savings.
使用说明与常见问题How-to & FAQ
「债务整合计算器」是什么？What is the Debt Consolidation Calculator tool?
把多笔信用卡/贷款（余额、利率、月供）与一笔整合贷款对比：还清时间、总利息和每月节省。Compare several debts (balance, rate, monthly payment) with one consolidation loan: payoff time, total interest and monthly savings.
如何使用「债务整合计算器」？How do I use the Debt Consolidation Calculator tool?
在「债务整合计算器」中，填写「整合贷款年利率 %」、「整合贷款期限(月)」、「手续费 %(计入贷款)」等参数，结果会随输入实时计算并显示在下方。In the Debt Consolidation Calculator: Fill in "Consolidation loan APR %", "Consolidation term (months)", "Fee % (added to the loan)"; results are recalculated instantly as you type.
计算结果可以作为最终依据吗？Can I rely on the result?
「债务整合计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Debt Consolidation Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「债务整合计算器」免费吗？需要注册吗？Is the Debt Consolidation Calculator free? Do I need an account?
「债务整合计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Debt Consolidation Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.