Currency Return Calculator｜外汇收益计算器

外汇收益计算器 | Currency Return Calculator

外汇收益计算器 Currency Return Calculator

结合“外币金额 + 买入/卖出汇率 + 外币资产收益率 + 手续费”，计算换回本币后的盈亏与收益率，并拆分汇率影响与资产本身影响。
Combine FX rate changes, foreign asset return and fees to estimate your home-currency profit & ROI, with a simple FX/asset impact breakdown.

1. 输入参数 · Parameters
本工具默认采用“直接标价法”：1 外币 = X 本币（例如 1 USD = 7.20 CNY）。
This tool uses the common “direct quote”: 1 foreign unit = X home units (e.g. 1 USD = 7.20 CNY).
你实际持有的外币金额（或换汇后用于投资的外币）。
The amount you hold in foreign currency (or the amount invested after FX conversion).
你把本币换成外币时的汇率（含点差/手续费可在下面单独填）。
The FX rate when you bought foreign currency. Fees/spread can be entered separately below.
你把外币换回本币时的汇率。若你的券商/银行有不同的“现钞/现汇/买卖价”，建议用更贴近真实成交的那一个。
The FX rate when you convert back to home currency. If you have bid/ask cash/spot rates, use the one closest to your actual execution.
若你只是“持币不投资”，可填 0。若外币存款/债券/基金有收益，可填年化并填写持有年限（支持小数）。
If you only hold cash, set this to 0. If your foreign deposit/bond/fund earns return, enter annualized % and holding years (decimals supported).
以百分比表示：0.30 = 0.30%。买入费会增加你的本币成本；卖出费会减少你最终换回的本币金额。
Enter as percentage: 0.30 = 0.30%. Entry fee increases your home-currency cost; exit fee reduces your home-currency proceeds.
3. 使用说明 · Notes
  • 核心思路（你到底赚了什么） · What you actually earned:
    你的“本币收益”通常由两部分叠加：
    ① 外币资产本身的涨跌（例如美股/外币存款利息）；② 汇率从买入到卖出的变化。
    Home-currency return usually comes from two parts: (1) the foreign asset’s own return, and (2) FX movement between entry and exit.
  • 汇率方向不要搞反 · Don’t flip the quote direction:
    本工具使用：1 外币 = X 本币。例如：1 USD = 7.20 CNY。
    如果你手头的数据是 “1 本币 = Y 外币”（间接标价法），请先取倒数再输入。
    This tool uses 1 FCY = X HCY. If your quote is 1 HCY = Y FCY, invert it (1 / Y) before input.
  • 手续费与点差 · Fees & spread matter:
    同样的汇率变动，在“手续费/点差更高”的情况下，净收益可能被显著侵蚀。
    用两段费率（Entry/Exit）可以更贴近真实：买入费抬高成本，卖出费压低回收。
    Even with the same FX movement, higher fees/spreads can materially reduce net return. Entry fee increases cost; exit fee reduces proceeds.
  • 外币收益率怎么填更合理 · How to input foreign return:
    如果你是外币定存/债券，填年化利率与持有年限即可；若是基金/股票，你可以用“期间年化回报”做粗估。
    若你只想评估“纯汇率盈亏”，把外币年化收益率填 0。
    For deposits/bonds, enter annual rate and holding years. For funds/stocks, a rough annualized return is fine. For pure FX P/L, set return to 0.
  • 结果里的“拆分”是估算 · The breakdown is approximate:
    工具把“资产影响”按买入汇率折算，把“汇率影响”按期末外币金额与汇差折算。真实世界中，若你有多次分批换汇/分批买卖资产，拆分会更复杂。
    The asset/FX split is a simplified decomposition. If you have multiple entries/exits, the true attribution can be more complex.
  • 税费与监管提示 · Taxes & compliance reminder:
    本工具不包含资本利得税、利息税、交易税、海外预扣税、以及任何申报成本。请你基于所在地法律法规自行判断与承担责任。
    This tool does not include taxes (capital gains, interest tax, withholding, etc.). You are responsible for compliance in your jurisdiction.
  • 适用场景 · Typical use cases:
    • 评估“换汇 + 外币理财/美股/外币债”换回本币后的真实回报；
    • 做资产配置时，把不同币种的收益统一到本币口径比较；
    • 在“汇率波动更大”的阶段，快速测算你对冲/不对冲可能的结果区间。
    • Estimate true home-currency return for FX + foreign investments;
    • Compare multi-currency returns under a single home-currency metric;
    • Quick what-if analysis during high FX volatility (hedged vs unhedged thinking).

免责声明 / Disclaimer：本工具为粗略估算与学习用途，不构成任何投资、交易或税务建议。你应自行核对真实成交汇率、费用与税务规则。
This is an estimation tool for educational purposes only. It is not investment/trading/tax advice. Please verify real execution rates, fees, and tax rules yourself.