关于本计算器
True annual rate solved from loan amount, monthly payment and count via bisection.
实际年利率
由月供反推真实利率。
输入计算参数
计算结果摘要
实际年利率7.420095794%
还款总额 (本金 + 利息)$24000
总支付利息$4000
常见问题
APR vs nominal?
APR reflects the payment math exactly; nominal quotes can hide fees.
Payment too small?
If payments never cover principal, no rate exists — shown as invalid.
Method?
Bisection on the amortization equation, 200 iterations.