汽车贷款计算器
纯前端计算美国车贷月供，数据不出浏览器
汽车贷款是购车时常用的有抵押贷款——贷款机构以所购车辆为担保发放资金，借款人在约定期限内（美国常见 36 / 60 / 72 / 84 个月）按月偿还本金和利息。本工具主要面向美国购车场景。美国以外的用户也可使用，只需将本地对应参数填入即可——车价、利率、税率、附加费、贷款期数都支持手动调整。每月按时还款后，贷款余额逐月递减；若拖欠未还，贷款机构有权依法收回（repossess）车辆。
隐私优先：所有计算都在浏览器本地完成。车价、首付、APR 等输入值不会上传到任何服务器、不会写入 Cookie、不会被跟踪，仅存于浏览器内存，刷新页面后即清除。
贷款参数
销售税按美国大多数州的做法，在议定价（车价 − 现金激励 − 旧车净抵扣）的基础上计算。本工具填入的州基础税率不含县 / 市 / 特区的地方附加税；如果你所在的市 / 县有地方销售税，请在下方「销售税」百分比字段手动加上去得到综合税率。
计算结果
月供（P+I）
$645
- 实际贷款额
- $32,950
- 税前议定价
- $35,000
- 旧车净抵扣
- $0
- 销售税
- $2,450
- 首期支出
- $5,000
- 月供总额
- $38,682
- 总利息
- $5,732
- 总拥有成本
- $43,682
按年汇总
| 年末 | 当年还本 | 当年付息 | 剩余本金 |
|---|---|---|---|
| 1 | $5,764 | $1,972 | $27,186 |
| 2 | $6,150 | $1,586 | $21,035 |
| 3 | $6,562 | $1,174 | $14,473 |
| 4 | $7,002 | $735 | $7,471 |
| 5 | $7,471 | $266 | $0 |
按月摊销表
| 期数 | 当年还本 | 当年付息 | 余额 |
|---|---|---|---|
| 1 | $466 | $178 | $32,484 |
| 2 | $469 | $176 | $32,015 |
| 3 | $471 | $173 | $31,544 |
| 4 | $474 | $171 | $31,070 |
| 5 | $476 | $168 | $30,593 |
| 6 | $479 | $166 | $30,114 |
| 7 | $482 | $163 | $29,633 |
| 8 | $484 | $161 | $29,149 |
| 9 | $487 | $158 | $28,662 |
| 10 | $489 | $155 | $28,172 |
| 11 | $492 | $153 | $27,680 |
| 12 | $495 | $150 | $27,186 |
| 13 | $497 | $147 | $26,688 |
| 14 | $500 | $145 | $26,188 |
| 15 | $503 | $142 | $25,685 |
| 16 | $506 | $139 | $25,180 |
| 17 | $508 | $136 | $24,671 |
| 18 | $511 | $134 | $24,160 |
| 19 | $514 | $131 | $23,646 |
| 20 | $517 | $128 | $23,130 |
| 21 | $519 | $125 | $22,610 |
| 22 | $522 | $122 | $22,088 |
| 23 | $525 | $120 | $21,563 |
| 24 | $528 | $117 | $21,035 |
| 25 | $531 | $114 | $20,504 |
| 26 | $534 | $111 | $19,971 |
| 27 | $537 | $108 | $19,434 |
| 28 | $539 | $105 | $18,895 |
| 29 | $542 | $102 | $18,352 |
| 30 | $545 | $99 | $17,807 |
| 31 | $548 | $96 | $17,259 |
| 32 | $551 | $93 | $16,708 |
| 33 | $554 | $90 | $16,153 |
| 34 | $557 | $87 | $15,596 |
| 35 | $560 | $84 | $15,036 |
| 36 | $563 | $81 | $14,473 |
| 37 | $566 | $78 | $13,906 |
| 38 | $569 | $75 | $13,337 |
| 39 | $572 | $72 | $12,765 |
| 40 | $576 | $69 | $12,189 |
| 41 | $579 | $66 | $11,610 |
| 42 | $582 | $63 | $11,028 |
| 43 | $585 | $60 | $10,444 |
| 44 | $588 | $57 | $9,855 |
| 45 | $591 | $53 | $9,264 |
| 46 | $595 | $50 | $8,670 |
| 47 | $598 | $47 | $8,072 |
| 48 | $601 | $44 | $7,471 |
| 49 | $604 | $40 | $6,867 |
| 50 | $608 | $37 | $6,259 |
| 51 | $611 | $34 | $5,648 |
| 52 | $614 | $31 | $5,034 |
| 53 | $617 | $27 | $4,417 |
| 54 | $621 | $24 | $3,796 |
| 55 | $624 | $21 | $3,172 |
| 56 | $628 | $17 | $2,544 |
| 57 | $631 | $14 | $1,913 |
| 58 | $634 | $10 | $1,279 |
| 59 | $638 | $7 | $641 |
| 60 | $641 | $3 | $0 |
免责声明：本计算器仅供教育和参考之用，不构成贷款建议或专业财务意见。结果为简化估算，未含贷款机构的开户费、单据费、GPS/保修打包等附加项，也未含强制保险。实际月供与总支出请以贷款机构报价为准。