Compound Interest Calculator复利计算器

Project future value with principal and monthly contributions.

计算本金加每月定投在给定年化与年限下的复利终值、投入与利息。

What is Compound Interest Calculator?复利计算器 是什么？

A compound interest calculator projects the future value of money from a starting amount, a regular contribution, a rate of return and a time horizon. It shows how compounding accelerates over time and separates the contributions from the growth, which makes it easy to see why starting early matters more than adding later.

复利计算器根据起始金额、定期投入、收益率和投资年限推算资金未来价值，展示复利如何随时间加速，并把本金投入与投资收益分开，让你直观看到"早开始"比"晚多投"更关键。

How to use compound interest calculator如何使用 复利计算器

1. Enter the initial amount, the monthly contribution and the expected annual return.
2. Set the number of years you plan to invest.
3. Read the future value, split into total contributions and investment growth.
4. Adjust the rate or the horizon to see how sensitive the result is to your assumptions.

1. 输入起始金额、每月投入和预期年化收益率。
2. 设定计划投资年限。
3. 读取未来价值，其中区分本金投入与投资收益。
4. 调整收益率或年限，看结果对假设的敏感程度。

Common uses常见用途

• Project retirement or long-term savings growth
• Compare the effect of starting five years earlier versus saving more
• Model a monthly investment plan with an assumed annual return
• Show how inflation-adjusted returns change a projection

• 推算退休储蓄或长期投资的增长
• 比较"早五年开始"与"每月多投"哪个更有效
• 按假定的年化收益模拟定投计划
• 看通胀调整后收益如何改变预测结果

FAQ常见问题