📈 利率计算器Interest Rate Calculator
已知贷款金额、每期还款额和期数，反推贷款的年利率（APR）和实际年利率。Work out the interest rate (APR) and effective annual rate of a loan from the amount, the periodic payment and the number of payments.
使用说明与常见问题How-to & FAQ
「利率计算器」是什么？What is the Interest Rate Calculator tool?
已知贷款金额、每期还款额和期数，反推贷款的年利率（APR）和实际年利率。Work out the interest rate (APR) and effective annual rate of a loan from the amount, the periodic payment and the number of payments.
如何使用「利率计算器」？How do I use the Interest Rate Calculator tool?
在「利率计算器」中，填写「贷款金额」、「每月还款」、「期数(月)」等参数，结果会随输入实时计算并显示在下方。In the Interest Rate Calculator: Fill in "Loan amount", "Monthly payment", "Number of months"; 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?
「利率计算器」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 Interest Rate Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「利率计算器」免费吗？需要注册吗？Is the Interest Rate Calculator free? Do I need an account?
「利率计算器」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 Interest Rate 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.