Compound Interest Calculator｜复利计算器

复利计算器 | Compound Interest Calculator

复利计算器 Compound Interest Calculator

输入初始本金、定投金额、年化收益率、复利频率与投资期限，估算本利和、总投入与利息收益。
Enter initial principal, regular contributions, annual return, compounding frequency and term to see the power of compound growth.

1. 输入参数 · Investment Parameters
一开始一次性投入的金额，是整个投资的起点。
One-off amount you invest at the beginning of the plan.
在每一个计息周期额外投入的金额，例如每月定投基金。填 0 表示只靠初始本金滚利息。
Extra amount added at each compounding period (e.g. monthly investment). Use 0 to rely only on the initial principal.
名义年化收益率，用于测算长期复利效果，不考虑税费、通胀和手续费。
Nominal annual rate used for projection only, ignoring taxes, inflation and fees.
以“年”为单位，可以是整数（如 10 年）或小数（如 8.5 年）。工具会根据复利频率拆分为期数。
Term in years, can be an integer or decimal (e.g. 8.5 years). The tool converts it into periods using the chosen frequency.
每年计息并滚入本金的次数，同时也视为每年的定投次数。频率越高，复利效应越明显。
Number of times interest is added to the balance each year. It also represents how often you contribute. Higher frequency usually means stronger compounding.
只影响结果尾部的货币单位，不参与任何换汇计算。
Only controls the currency label in results; no FX conversion is performed.
4. 复利与定投小结 · Notes on Compounding & Regular Investing
  • 复利的核心 · The core of compounding:
    利滚利的关键在于时间 + 纪律。收益不断滚入本金，再参与下一轮计息。
    The power of compound interest comes from time plus discipline: gains are reinvested and generate more gains.
  • 定投的重要性 · Why regular contributions matter:
    持续投入可以在市场波动中“摊平成本”，长期下来往往比一次性择时更稳健。
    Regular contributions help smooth out volatility and are often more robust than trying to time the market.
  • 年化收益只是假设 · Returns here are assumptions only:
    实际投资中收益率会随市场变化，本工具只是做静态测算，方便你比较不同方案。
    Real-world returns fluctuate. This calculator uses a fixed rate only for static comparison of different plans.
  • 适用场景 · Typical use cases:
    养老规划、子女教育金、长期理财目标等，都可以用本工具做“如果坚持 X 年，会大致增长到多少”的预估。
    Retirement planning, education funds and other long-term goals can all be projected with this tool to answer “what could it become if I keep investing for X years?”.

说明：本工具假设利率固定、按所选频率复利，未考虑税费、通胀、汇率波动、产品风险等因素。结果仅供学习与测算参考，
不构成任何投资建议或保证收益。
Note: This tool assumes a fixed rate and selected compounding frequency, and ignores taxes, inflation, FX and product risks. Results are for education and estimation only and do not constitute investment advice or guarantee of returns.