计算工具
复利计算器
免费的复利计算器。预测未来价值，包括每月供款和任何复利频率。适用于储蓄、投资、退休。
From a deposit and a habit to a future balance.
Compounding can pile up fast. The future value uses the chosen schedule for the lump and monthly compounding for the contribution stream.
编辑注
Understanding · Money that earns money.
本深度章节目前仅有英文版本。上方的转换工具支持您的语言;长篇说明文章尚未翻译。
常见问题
Quick answers.
›What is compound interest?
Interest earned on both your original principal and previously earned interest. Each period the base grows, so the next period's interest grows too.
›Monthly vs annual compounding — does it matter?
Yes, but the difference is small at typical rates. Monthly compounding at 5% APR = ~5.12% effective annual yield.
›How is this different from APY?
APY = annual percentage yield, the effective rate after compounding. APR is the nominal rate before compounding. Both are useful when comparing accounts.
›Does it model taxes?
No — outputs are gross. Tax-advantaged accounts (Roth IRA, ISA) keep gains tax-free; taxable accounts pay annual tax.
›Is the calculator free?
Yes — free, no signup, runs in your browser.
大家也在搜索
相关工具