Amortiq房贷与贷款计算器
关于
Amortiq 是了解房贷真实成本的最快方式。
Amortiq 的独特之处
输入贷款金额、利率和期限，月供、总利息和总还款额立即显示，无需点击任何按钮。无广告、无需注册、无需网络连接。
基础功能：
- 实时月供计算
- 总还款额和总利息一目了然
- 利息与本金比例可视化
定价
以上功能全部免费。Amortiq 专业版——一次性解锁，无订阅：
- 完整摊销计划——按月或按年查看
- 额外还款模拟——查看额外还款如何缩短期限、节省利息
- 方案并排对比——对比不同利率或期限的两种贷款方案
- 导出结果为文字格式，便于分享或保存
反馈
由 Peter Zhang 独立开发，发送至 obeliskclubclub@gmail.com 的每封邮件都会亲自阅读。 了解更多：https://obelisk.club/mortgagecalculator
核心能力
实时计算，输入即显示结果
月供、总利息、总还款额
完整摊销计划（专业版）
额外还款模拟器（专业版）
贷款方案并排对比（专业版）
完全离线——无需账号，无跟踪
常见问题
- How is a monthly mortgage payment calculated?
- A fixed-rate payment comes from the standard amortization formula, which combines the loan amount, the monthly interest rate, and the number of payments so the balance reaches zero exactly at the end of the term. Amortiq does this math live — type your loan amount, rate, and term and the monthly payment, total interest, and true total cost appear instantly as you type.
- How much interest will I pay over the life of a 30-year mortgage?
- Over a long term, total interest is often a substantial fraction of — and at higher rates can exceed — the amount you borrowed, which is easy to miss when you only look at the monthly payment. Amortiq shows total interest and true total cost up front with a visual interest-vs-principal breakdown, and the Pro unlock adds a full amortization schedule month-by-month or year-by-year.
- Do extra mortgage payments really save money?
- Yes — extra payments go straight to principal, which shortens the loan and eliminates all the future interest that principal would have accrued, with early extra payments saving the most. Amortiq Pro includes an extra payment simulator that shows exactly how much term you cut and how much interest you save for a given extra amount.
- Does Amortiq need an internet connection or an account?
- No. Amortiq is 100% offline with no ads, no account, and no tracking, so the loan figures you enter stay on your device — unlike web mortgage calculators, many of which exist to capture leads for lenders. Everything calculates locally the moment you type.
- How do I compare two mortgage offers with different rates or terms?
- Comparing only monthly payments is misleading — a longer term can lower the payment while raising the total cost — so you need both figures side by side. Amortiq Pro's scenario comparison puts two loans with different rates or terms next to each other, and you can export the results as text to share or save. Pro is a one-time unlock.
界面展示
高保真界面
高保真界面
高保真界面
其他 Obelisk 应用
SnapPro
SnapPro 是 macOS 上最专业的截图和录屏工具。像素级无损捕获、无限时长录屏、端侧 OCR——均无需额外购买。 基于 ScreenCaptureKit、Vision 框架和 Metal 原生构建。针对 Apple Silicon 优化。基础档无水印。录屏无时长限制。 —…
ViewOne
手机在游乐园拍了 50 张连拍，现在堆在 Mac 里，你又懒得一张张挑。 ViewOne 帮你解决这个问题。把文件夹拖进来，立刻识别每一组连拍。并排对比、轻点挑出心仪的，剩下的一键扔进废纸篓。 挑不出来？交给 AI——它会分析清晰度、曝光、构图甚至表情，帮你找到最佳那张。 — V…
PhotoBridge
影像方舟（PhotoBridge）把 iPhone 照片直接备份到你自己的存储——群晖、QNAP、Nextcloud、AWS S3、MinIO、阿里云 OSS 或外接硬盘。不走第三方云，不订阅陌生人的照片仓库。 专为这些时刻设计：iCloud 账单越看越不爽，或者你只是想把照片放…