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大额开支分期对比
分期付款时,这笔钱留在你手上能赚多少(比如高息储蓄账户)。
0% APR 分期还
有息分期/贷款
仅作估算,未考虑账单周期与最低还款规则,具体以你的卡片条款为准。
最省的方式
{"amount":"要付的金额","hysa":"闲置现金的年化收益","hysaHint":"分期付款时,这笔钱留在你手上能赚多少(比如高息储蓄账户)。","promo":"0% APR 免息期","monthly":"每月最多能还","monthlyHint":"用来检查免息期够不够把余额还清。","loanApr":"贷款年利率","loanTerm":"贷款期数","months":"个月","cash":"现金一次付清","zeroApr":"0% APR 分期还","loan":"有息分期/贷款","netCost":"净成本","monthlyPay":"月供","interest":"利息","fees":"手续费","opportunity":"留存现金的收益","baseline":"基准","cheaper":"比现金省","pricier":"比现金贵","monthsNeeded":"按这个还款额需要","warning":"免息期不够你还完","warningBody":"按这个还款额你需要 %m 个月还完,但免息期只有 %p 个月。剩下的余额会按惩罚利率计息——按 %r% 估算,剩余部分大约要多付 $%x 利息。0% APR 翻车的都是这一步。","noWarning":"免息期够用:你会提前 %1 个月还清。","verdict":"最省的方式","verdictCash":"现金一次付清","note":"仅作估算,未考虑账单周期与最低还款规则,具体以你的卡片条款为准。","promoLabel":"0% APR 免息期","monthlyLabel":"每月最多能还"}
本工具仅供估算参考,不构成财务建议。实际结果因费率、税费和个人情况而异。