⚠ Disclaimer · 免责声明
This calculator is for educational and estimation purposes only. It does not constitute financial advice.
Actual returns, interest rates, and loan terms vary by institution and market conditions.
All figures are estimates — verify with your financial advisor or lender before making decisions. 本计算器仅供学习与估算参考，不构成任何理财建议。实际收益、利率、贷款条款因机构与市场而异。所有数据均为估算值，决策前请咨询专业财务顾问。
Final Amount最终金额
Total Interest总利息
Effective Rate实际年利率
Principal 本金Interest 利息
Year 年份
Start Balance 年初余额
Interest 当年利息
End Balance 年末余额
📐 Formula · 公式 A = P × (1 + r)t （年复利） r = 年利率, t = 年限
When r = 0, final amount equals principal and all interest is zero. 当利率为 0 时，最终金额等于本金，总利息为零。
Final Value最终价值
Total Invested累计投入
Total Returns总收益
Real Value实际购买力
Invested 投入Returns 收益
Year 年份
Invested 累计投入
Balance 账户余额
Returns 累计收益
Monthly 当年定投
📐 Methodology · 计算方法
Monthly rate = annual rate ÷ 12. Contributions are applied at month-end (balance × 1 + monthly rate) then new contribution added).
From month 13 onward, annual step-up increases the monthly contribution by the step-up rate each year:
contribution(m) = C × (1 + g)⌊(m−1)/12⌋.
Real purchasing power discounts the final balance by cumulative inflation: FV / (1 + inflation)t. 月利率 = 年利率 ÷ 12。每月末定投（先计息再加投）。第 13 个月起每年按递增率调整月供。实际购买力按通胀复利折现。
Monthly Payment月供
Total Payment还款总额
Total Interest总利息
I/P Ratio利息本金比
Interest / Payment利息占月供比
Principal 本金Interest 利息
Year 年份
Payment 年还款
Principal 还本
Interest 付息
Balance 剩余本金
📐 Formula · 公式
Equal monthly installment (amortized): M = P × r × (1+r)n / ((1+r)n − 1)
When r = 0: M = P / n. Monthly payment is rounded to cents; the final period
absorbs any rounding residual so remaining principal reaches exactly zero. 等额本息还款。月供精确到分，最后一期调整差额使剩余本金归零。利率为 0 时月供 = 本金 ÷ 期数。
* Actual payments may vary by lender. Prepayment penalties and other fees not included. / 实际还款金额以银行为准，不含提前还款违约金等其他费用。