贷款计算器 & 还贷模拟器。支持商贷/公积金/组合贷、等额本息/等额本金/自由还款三种方式，可多次利率变更和提前还款并按天精确计息。提供还款模拟（智能分析最优方案）、机会成本分析（提前还款 vs 投资理财）、多方案对比、数据可视化。内置 LPR 利率表，数据全部本地运算及存储，PWA 离线可用。

The Loan Simulator is a Streamlit application designed to help users estimate and visualize loan payments, including interest and insurance costs.

Made for simulating vehicle loans. Built with Java, Spring Boot and MongoDB persistence.

Japan real estate loan simulator & investment yield analyzer — trilingual ZH/JA/EN, zero-build vanilla JS