作为程序员，没有合适的工具，就得手搓一个，PC端，移动端均可适用。废话不多说，直接上代码。
HTML:
<div class="calculator"><label for="loanAmount">贷款金额 (元)：</label> <input id="loanAmount" type="number" placeholder="输入贷款金额"> <label for="interestRate">年利率 (%)：</label> <input id="interestRate" type="number" placeholder="输入年利率"> <label for="loanTerm">贷款年限 (年)：</label> <input id="loanTerm" type="number" placeholder="输入贷款年限"><button onclick="calculateRepayment()">计算还款额</button><div id="result" class="result">结果将显示在这里</div></div>
JS:
function calculateRepayment() { const loanAmount = parseFloat(document.getElementById('loanAmount').value); const interestRate = parseFloat(document.getElementById('interestRate').value) / 100 / 12; // 将年利率转换为月利率 const loanTerm = parseInt(document.getElementById('loanTerm').value) * 12; // 将贷款年限转换为月数 if (isNaN(loanAmount) || isNaN(interestRate) || isNaN(loanTerm)) { document.getElementById('result').textContent = "请输入有效的贷款金额、利率和年限。"; return; } // 等额本息还款公式：每月还款额 = [贷款金额 × 月利率 × (1 + 月利率)^还款月数] / [(1 + 月利率)^还款月数 - 1] const monthlyRepayment = (loanAmount * interestRate * Math.pow(1 + interestRate, loanTerm)) / (Math.pow(1 + interestRate, loanTerm) - 1); const totalRepayment = monthlyRepayment * loanTerm; document.getElementById('result').innerHTML = `每月还款额：${monthlyRepayment.toFixed(2)} 元<br>` + `总还款额：${totalRepayment.toFixed(2)} 元`; }
CSS:
.calculator { width: 100%; background-color: #333; color: white; padding: 20px; border-radius: 10px; box-shadow: 0 5px 15px rgba(0, 0, 0, 0.3); } label { display: block; margin-bottom: 10px; font-size: 16px; } input, select { width: 100%!important; padding: 10px!important; margin-bottom: 20px; color: #000000; border-radius: 5px; border: 1px solid #555; font-size: 16px!important; background-color: #ffffff!important; } button { width: 100%; padding: 10px; background-color: #007bff; color: white; border: none; border-radius: 5px; cursor: pointer; font-size: 16px; } button:hover { background-color: orange; } .result { font-size: 18px; margin-top: 20px; text-align: center; } option { background-color: #ffffff; } p { font-size: 18px; margin-top: 5px!important; }
