复利计算器
测算初始金额加定期投入可能的增长，并查看结果中有多少是本金、多少来自复利。回报率是您设定的假设，并非预测。
- 预计余额
- $300,851
- 您的投入
- $130,000
- 复利带来的增长
- $170,851
按年份的余额 — 阴影部分是您投入的本金
第 1 年第 20 年
计算方式
balance = start x (1 + r)^n + PMT x [((1 + r)^n - 1) / r]
- r
- annual return / 12 (this tool compounds monthly)
- n
- number of months
- PMT
- contribution added at the end of each month
算例
$10,000 plus $500 a month at 7% for 20 years reaches about $301,000. Of that, $130,000 is money you paid in and roughly $171,000 is compounding — the split matters more than the headline.
常见问题
- How does compound interest work?
- Each period’s return is calculated on the balance including previously earned returns, so growth accelerates over time. The formula here compounds monthly and adds your contribution at the end of each month.
- What rate of return should I assume?
- Any rate you enter is an assumption, not a forecast. Real returns vary year to year and can be negative. Because the projection compounds, small changes in the rate produce large changes at long horizons — try a range rather than a single figure.
- Does this account for inflation, tax or fees?
- No. The result is a nominal projection before inflation, taxes and any platform or fund fees, each of which reduces what you actually keep. Treat it as arithmetic on your inputs rather than an expected outcome.
其他免费工具
本工具仅对您输入的数字进行计算。它仅供信息和教育用途，不构成投资、税务或财务建议，也不是买入、卖出或持有任何证券的推荐。测算是假设，而非预测。请务必自行尽职调查。