Bilingual edition: English is preserved and Chinese follows each unit. Terminology uses the confirmed v20260916 glossary; automated semantic review remains traceable.
中英双语版：英文原文完整保留，中文紧随对应单元；术语采用 v20260916 确认表，自动语义审校结果可追溯。

Calculation of Interest

利息计算

The calculation of the interest on a loan is a useful application of algebra and exponents. For a monthly fractional interest rate i, principal P and number of payments n, the required payment may be calculated from

Note that in this formula, i is not an annual percentage rate, but a monthly fractional interest rate. For example, if the annual rate is 12%, the monthly fractional interest rate is i = 0.01 . For purposes of calculation, the active formula below may be used by entering the relevant data and then clicking on the quantity you wish to calculate.
Justin Cantrell

For a loan of principal P = $
for a term of n = months = years
at interest rate i = % annual rate,
the monthly payment is $

For this loan the total amount repaid is $
and the total interest paid is $

Note: The interest rate calculation is not yet implemented. The equation for the interest is said to be "transcendental" in that it cannot be solved in closed form. An interative calculation is required.

注意：利息计算尚未实现。利息的公式被称作‘超越方程’，因为它无法用闭合形式求解。需要进行迭代计算。
贷款利息的计算是代数和指数的一个有用应用。对于月利率为i，本金为P，还款次数为n的贷款，所需支付的金额可由以下公式计算。请注意，在此公式中，i不是年百分比利率，而是一个月的利率。例如，如果年利率为12%，则月利率i=0.01。为了计算，可以使用下面的交互式公式，输入相关数据并点击您希望计算的量。Justin Cantrell 对于本金P= $，期限为n= 个月= 年，利率i= %年利率的贷款，月还款额为 $。对于此贷款，总还款额为 $，总利息为 $。
中文译文中的待填/计算数值依次对应：1：p 2：n 3：ny 4：ia 5：payment 6：tot 7：totint。实际数值以上方原输入框为准。
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