💰 金融理财Finance
房贷计算器Loan & Mortgage Calculator
房贷/贷款计算器：等额本息和等额本金，计算月供、总利息和还款计划。Mortgage/loan calculator: monthly payment, total interest and amortization schedule.
复利计算器Compound Interest Calculator
计算复利投资终值：本金、年利率、年限、复利频率和每月追加投资。Calculate compound interest with principal, rate, years, compounding frequency and monthly contributions.
单利计算器Simple Interest Calculator
计算单利利息和本息合计：利息 = 本金 × 利率 × 时间。Calculate simple interest and total: interest = principal × rate × time.
存钱目标计算器Savings Goal Calculator
想在 N 年后攒够目标金额？计算每月需要存多少钱（含收益）。Find out how much to save each month to reach a savings goal, including returns.
定投收益计算器SIP / Regular Investment Calculator
基金定投计算器：每月定投金额、年化收益率和年限，计算最终收益。Calculate returns on regular monthly investing (SIP / dollar-cost averaging).
投资回报率 ROI 计算器ROI Calculator
计算投资回报率 ROI 和年化收益率，输入投入、回收金额和持有期。Calculate return on investment (ROI) and annualized return.
年复合增长率 CAGRCAGR Calculator
计算年均复合增长率 CAGR；结束值留空并填写目标 CAGR，可反推目标结束值。Calculate compound annual growth rate (CAGR) — or leave the end value blank and enter a target CAGR to get the end value.
折扣计算器Discount Calculator
计算打折后价格和节省金额，支持打几折（中文）和百分比折扣、满减。Calculate sale price and savings from a percent discount (or Chinese 'X 折').
小费 / AA 分账计算器Tip & Split Bill Calculator
计算小费金额并平均分摊账单，适合聚餐 AA 和出国旅游。Calculate tip and split the bill among people.
增值税 / 含税价计算器VAT / Sales Tax Calculator
计算含税价和不含税价：加税或去税，支持 13%、9%、6% 等增值税率。Add or remove VAT/sales tax: compute net, tax and gross amounts.
个人所得税计算器China Income Tax Calculator
2026 中国个税计算器：输入月薪、五险一金和专项附加扣除，计算每月个税和税后工资（累计预扣法）。Chinese individual income tax calculator (cumulative withholding): monthly tax and take-home pay.
通货膨胀计算器Inflation Calculator
按年通胀率计算未来购买力：今天的钱 N 年后值多少，或未来需要多少钱。See how inflation erodes purchasing power over time.
盈亏平衡点计算器Break-even Calculator
计算盈亏平衡点：需要卖出多少件产品才能覆盖固定成本。Calculate the break-even point in units and revenue.
利润率计算器Profit Margin Calculator
根据成本和售价计算毛利、毛利率和加价率，或根据目标利润率反推售价。Calculate profit, margin and markup from cost and price — or price from a target margin.
信用卡还款计算器Credit Card Payoff Calculator
计算按月固定还款多久能还清信用卡欠款，以及总利息。How long to pay off a credit card balance with a fixed monthly payment, and total interest.
折旧计算器Depreciation Calculator
计算资产折旧：直线法、双倍余额递减法，生成每年折旧表。Calculate asset depreciation (straight-line or double-declining) with a yearly schedule.
时薪月薪年薪换算Salary Converter (Hourly ↔ Annual)
时薪、日薪、周薪、月薪、年薪互相换算，可设置每周工时和工作日。Convert between hourly, daily, weekly, monthly and annual pay.
提前还款计算器Mortgage Prepayment Calculator
计算房贷提前还款能省多少利息：缩短年限或减少月供两种方式对比。See how much interest a mortgage prepayment saves: shorter term vs lower payment.
房贷月供计算器（含税费保险）Mortgage Calculator (PITI)
计算美式房贷每月总支出：本息、房产税、房屋保险、PMI 和物业费（PITI）。Monthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA (PITI).
车贷计算器Car Loan Calculator
计算汽车贷款月供：车价、首付、旧车置换、销售税、手续费和贷款期限。Auto loan payment with price, down payment, trade-in, sales tax, fees and term.
组合贷/公积金贷款计算器China Mortgage (Provident Fund & Combination Loan)
商业贷款+公积金组合贷款计算，支持等额本息和等额本金，显示首月月供、末月月供和总利息。China combination mortgage (commercial + housing provident fund), equal installment or equal principal.
退休规划计算器Retirement Calculator
估算退休时的储蓄总额，并与按 4% 提取规则所需的金额比较，考虑通胀。Project your retirement savings and compare with what you need under the 4% rule, adjusting for inflation.
FIRE 财务自由计算器FIRE Calculator (Financial Independence)
计算实现财务自由（FIRE）所需的资产和年数：年支出 ÷ 安全提取率。How much you need for FIRE and how many years it takes: annual expenses ÷ safe withdrawal rate.
负债收入比计算器Debt-to-Income (DTI) Ratio Calculator
计算负债收入比（DTI），判断贷款申请时的财务健康程度（36% / 43% 参考线）。Calculate your debt-to-income ratio and see where you stand against the 36% / 43% lending guidelines.
租房还是买房计算器Rent vs Buy Calculator
比较在一定年限内租房与买房的净成本（含房价涨幅、机会成本、维护费）。Compare the net cost of renting vs buying over a time horizon, including appreciation and opportunity cost.
APR 转 APY 计算器APR to APY Calculator
把名义年利率（APR）换算为实际年收益率（APY/EAR），支持不同复利频率，以及反向换算。Convert APR to APY (effective annual rate) for any compounding frequency, and back.
现值计算器Present Value Calculator
计算未来一笔钱或一系列等额收付款在今天的价值（折现）。Discount a future amount or a series of equal payments to its present value.
终值计算器Future Value Calculator
计算一次性投入和定期定额投入在未来的价值，支持期初/期末付款。Future value of a lump sum plus regular payments, with payments at the beginning or end of each period.
NPV / IRR 计算器NPV & IRR Calculator
输入各期现金流，计算净现值（NPV）、内部收益率（IRR）和盈利指数。Calculate net present value (NPV), internal rate of return (IRR) and profitability index from cash flows.
投资回收期计算器Payback Period Calculator
根据初始投资和每期现金流计算静态回收期和动态（折现）回收期。Simple and discounted payback period from an initial investment and periodic cash flows.
股息率计算器Dividend Yield Calculator
计算股息率、年股息收入和派息率，可估算达到目标股息收入所需的持股数量。Dividend yield, annual dividend income, payout ratio and shares needed for a target income.
股票补仓成本计算器Stock Average Cost Calculator
多次买入后计算持仓平均成本（摊薄成本），输入现价可看浮动盈亏。Average cost per share after multiple buys, with unrealized profit/loss at the current price.
A股交易费用计算器China A-Share Trading Fee Calculator
计算 A 股买卖的佣金、印花税（卖出 0.05%）、过户费和净盈亏，以及保本卖出价。China A-share fees: commission, stamp duty (0.05% on sells), transfer fee, net profit and break-even price.
加价率计算器Markup Calculator
根据成本和加价率计算售价，或根据成本和售价计算加价率与毛利率，并互相换算。Selling price from cost and markup, or markup and margin from cost and price.
年终奖个税计算器China Year-End Bonus Tax Calculator
按全年一次性奖金单独计税方法计算年终奖个人所得税和税后金额，提示“多发一元多缴税”区间。China annual one-off bonus tax under the separate-taxation method, with the 'tax trap' ranges flagged.
五险一金计算器China Social Insurance & Housing Fund Calculator
按缴费基数和比例计算个人和单位缴纳的养老、医疗、失业、工伤、生育保险和住房公积金。China 'five insurances and one fund' contributions for employee and employer, by contribution base and rates.
72 法则计算器Rule of 72 Calculator
用 72 法则快速估算资金翻倍所需年数，并与精确值比较；或由年数反推所需收益率。Estimate years to double your money with the Rule of 72, compared with the exact figure, or the rate needed.
提成/佣金计算器Commission Calculator
按固定比例或阶梯比例计算销售提成，加上底薪得出总收入。Sales commission with a flat rate or tiered rates, plus base salary.
单价比较计算器（哪个更划算）Unit Price Comparison
比较不同包装/规格商品的单价，找出最划算的选择。Compare unit prices across package sizes to find the best deal.
50/30/20 预算计算器50/30/20 Budget Calculator
按 50/30/20 法则把税后收入分为必要开支、想要开支和储蓄，比例可自定义。Split take-home pay into needs, wants and savings with the 50/30/20 rule (adjustable).
电费计算器（电器耗电）Electricity Cost Calculator
根据电器功率、每天使用时长和电价，计算每天、每月、每年的耗电量（度）和电费。Energy use (kWh) and cost per day, month and year from appliance wattage, hours of use and price.
自由职业时薪计算器Freelance Hourly Rate Calculator
根据目标年收入、业务开支、税率、假期和可计费工时，算出你应该收取的时薪和日薪。Work out your freelance hourly and day rate from target income, expenses, tax, vacation and billable hours.
油费计算器（自驾）Trip Fuel Cost Calculator
根据里程、百公里油耗和油价计算自驾油费，并可按人数 AA 分摊。Fuel cost for a road trip from distance, consumption and fuel price, split between passengers.
加班费计算器China Overtime Pay Calculator
按中国劳动法计算加班费：工作日 1.5 倍、休息日 2 倍、法定节假日 3 倍，日工资按月薪 ÷ 21.75。China overtime pay: 150% on workdays, 200% on rest days, 300% on public holidays; daily wage = monthly ÷ 21.75.
经济补偿金计算器（N+1）China Severance Pay Calculator (N, N+1, 2N)
按《劳动合同法》计算离职经济补偿金 N、N+1 和违法解除赔偿金 2N，考虑高收入封顶。China severance under the Labor Contract Law: N, N+1 and 2N, including the high-earner cap.
个人贷款计算器Personal Loan Calculator
计算个人消费贷款的月供、总利息和总还款额；如有手续费（砍头息），同时给出实际到手金额和真实年化利率。Monthly payment, total interest and total cost of a personal loan; with an origination fee it also shows the cash you actually receive and the true APR.
企业贷款计算器Business Loan Calculator
按贷款金额、年利率、期限和还款频率（月/双周/周/季）计算企业贷款每期还款、总利息，含费用时给出实际年化利率。Business loan payment per period (monthly, bi-weekly, weekly or quarterly), total interest and, with fees, the effective APR.
CPM千次展示成本计算器CPM Calculator
广告 CPM（千次展示成本）计算：输入花费、展示量、CPM 中任意两项求第三项（留空要求的一项）。Advertising CPM (cost per thousand impressions): enter any two of cost, impressions and CPM, leaving the unknown blank.
净资产计算器Net Worth Calculator
列出资产和负债（每行“名称 金额”），计算总资产、总负债、净资产和资产负债率。List assets and liabilities (one per line: name amount) to get total assets, total debts, net worth and debt-to-asset ratio.
利率计算器Interest Rate Calculator
已知贷款金额、每期还款额和期数，反推贷款的年利率（APR）和实际年利率。Work out the interest rate (APR) and effective annual rate of a loan from the amount, the periodic payment and the number of payments.
年金计算器Annuity Calculator
计算定期等额支付的年金现值和终值，支持期末（普通年金）和期初（先付年金）、不同支付频率。Present and future value of an annuity of equal payments, ordinary (end of period) or due (start of period), at any payment frequency.
GST消费税计算器GST Calculator
商品服务税（GST）计算：加税或从含税价中扣税，内置印度、澳大利亚、新西兰、新加坡、加拿大的预设税率（可修改），印度可拆分 CGST/SGST。Add or remove GST from a price, with India's CGST/SGST split and preset rates for India, Australia, New Zealand, Singapore and Canada.
EBITDA计算器EBITDA Calculator
由净利润加回利息、所得税、折旧和摊销计算 EBITDA、EBIT，并在提供营业收入时给出 EBITDA 利润率。EBITDA and EBIT from net income plus interest, taxes, depreciation and amortization, with EBITDA margin when revenue is given.
每股收益EPS计算器Earnings Per Share Calculator
每股收益 EPS =（净利润 − 优先股股息）÷ 加权平均普通股股数；提供股价时给出市盈率 P/E 和盈利收益率。EPS = (net income − preferred dividends) ÷ weighted average common shares; with a share price it also gives the P/E ratio and earnings yield.
流动比率计算器Current Ratio Calculator
由流动资产和流动负债计算流动比率、速动比率（扣除存货与预付）和营运资金，评估短期偿债能力。Current ratio, quick ratio (excluding inventory and prepaids) and working capital from current assets and liabilities.
存货周转率计算器Inventory Turnover Calculator
由销售成本（COGS）和期初、期末存货计算存货周转率和存货周转天数。Inventory turnover ratio and days inventory outstanding from cost of goods sold and beginning and ending inventory.
债务整合计算器Debt Consolidation Calculator
把多笔信用卡/贷款（余额、利率、月供）与一笔整合贷款对比：还清时间、总利息和每月节省。Compare several debts (balance, rate, monthly payment) with one consolidation loan: payoff time, total interest and monthly savings.
首付计算器Down Payment Calculator
根据房价和首付比例计算首付款、贷款金额和交房所需现金（含交易费用），并估算按月储蓄需要多久攒够。Down payment, loan amount and cash needed at closing from the home price and down payment %, plus how long monthly saving will take.
FHA贷款计算器FHA Loan Calculator
美国 FHA 房贷月供：按 HUD 现行费率表（ML 2023-05，2023-03-20 起生效）计算预付抵押保险（UFMIP 1.75%）和年度 MIP，含房产税和保险。US FHA mortgage payment using HUD's current premium schedule (ML 2023-05, effective March 20, 2023): 1.75% upfront mortgage insurance (UFMIP) and annual MIP, plus property tax and insurance.
Roth IRA计算器Roth IRA Calculator
估算 Roth IRA 在退休时的余额（2026 年缴款上限 $7,500，50 岁以上 $8,600），并按收入检查可缴额度是否受限。Project your Roth IRA balance at retirement (2026 limit $7,500, or $8,600 at 50+) and check whether your income limits how much you can contribute.
PayPal手续费计算器PayPal Fee Calculator
计算收到一笔 PayPal 付款要扣多少手续费、实际到账多少，或为了到账某个金额应向对方收多少（默认美国商家费率 3.49% + $0.49）。See the PayPal fee on a payment and what you actually receive, or how much to charge to net a given amount (default US rate 3.49% + $0.49).
共同基金收益计算器Mutual Fund Calculator
估算基金定投（SIP）或一次性投资的到期价值、总投入和收益，可扣除基金费率。Estimate the maturity value, amount invested and gains of a mutual fund SIP or lump-sum investment, net of the expense ratio.
EPF公积金计算器(印度)EPF Calculator (India)
估算印度雇员公积金（EPF）在退休时的累计余额：雇员 12%、雇主 3.67%（另 8.33% 进入 EPS 养老金），按年利率逐月计息。Estimate your Indian EPF corpus at retirement: 12% employee share, 3.67% employer share (8.33% goes to the EPS pension), with interest on the monthly running balance.
ROAS广告回报率计算器ROAS Calculator
广告支出回报率 ROAS = 广告带来的收入 ÷ 广告花费；提供毛利率时给出盈亏平衡 ROAS 和广告利润。Return on ad spend ROAS = ad revenue ÷ ad spend; with a gross margin it also gives break-even ROAS and ad profit.
WACC加权平均资本成本WACC Calculator
加权平均资本成本 WACC = E/V·Re + D/V·Rd·(1−Tc)，可用 CAPM 由无风险利率、β 和市场风险溢价估算股权成本。Weighted average cost of capital WACC = E/V·Re + D/V·Rd·(1 − Tc), optionally estimating the cost of equity with CAPM.
养老金计算器Pension Calculator
估算退休时的养老储蓄总额，以及它在退休期间每月能提供多少收入（含通胀折算为今天的购买力）。Project your retirement pot and the monthly income it can pay through retirement, also in today's money after inflation.
LTV客户终身价值计算器Customer Lifetime Value (LTV) Calculator
由客单价、购买频次、毛利率和客户生命周期（或流失率）计算客户终身价值 LTV，以及与获客成本 CAC 的比值。Customer lifetime value from average order value, purchase frequency, gross margin and lifespan (or churn), plus the LTV:CAC ratio.
美国个税税率档位计算器Tax Bracket Calculator (US 2026)
按 2026 年美国联邦个人所得税税率表计算应纳税所得额、税额、边际税率和实际税率，并列出每个税档的税额。US federal income tax for 2026: taxable income, tax, marginal and effective rate, with tax owed in each bracket.
APR年化利率计算器APR Calculator
把贷款的名义利率和各项费用（手续费、点数等）合并成真实年化利率 APR，比较不同贷款的实际成本。Combine a loan's interest rate with fees and points into the true annual percentage rate (APR) to compare real borrowing costs.
发票生成器Invoice Generator
在线制作专业发票/形式发票：填写开票方、收票方和项目明细，自动计算小计、折扣、税和合计，支持多币种和中英文版式，可打印或另存为 PDF、下载 HTML。Create professional invoices online: enter your details, the client and line items, and subtotal, discount, tax and total are calculated automatically — multi-currency, Chinese or English layout, print/save as PDF or download HTML.
401(k) 退休账户计算器401(k) Calculator
按年龄、工资、缴费比例、雇主配比和预期收益率，估算 401(k) 账户退休时的余额，按 2026 年 IRS 缴费上限（24,500 美元，50 岁以上补缴 8,000，60–63 岁 11,250）自动封顶，并给出逐年明细。Project your 401(k) balance at retirement from age, salary, contribution rate, employer match and expected return. Employee deferrals are capped at the 2026 IRS limits ($24,500, +$8,000 catch-up at 50+, +$11,250 at ages 60–63), with a year-by-year table.
债务清偿计划计算器（雪球/雪崩法）Debt Payoff Calculator (Snowball / Avalanche)
输入多笔债务（余额、年利率、最低还款）和每月总还款预算，按“雪崩法”（先还高利率）或“雪球法”（先还小余额）模拟逐月还款，得出还清时间、总利息和每笔债务的还清月份。List your debts (balance, APR, minimum payment) and a monthly budget, then simulate the avalanche (highest rate first) or snowball (smallest balance first) method month by month to see the payoff date, total interest and when each debt is cleared.
GDP 计算器（支出法）GDP Calculator (Expenditure Approach)
用支出法 GDP = C + I + G + (X − M) 计算国内生产总值，可选输入人口得出人均 GDP，输入 GDP 平减指数得出实际 GDP。Compute GDP with the expenditure approach GDP = C + I + G + (X − M); optionally add population for GDP per capita and a GDP deflator for real GDP.
马力计算器Horsepower Calculator
由扭矩和转速计算马力（hp = 扭矩(lb·ft) × rpm ÷ 5252），或用车重与 1/4 英里成绩（ET 或出口速度）估算发动机马力，同时换算千瓦和公制马力（PS）。Calculate horsepower from torque and RPM (hp = lb·ft × rpm ÷ 5252), or estimate it from vehicle weight and quarter-mile ET or trap speed, with kW and metric PS.
汽车租赁月供计算器Car Lease Calculator
输入车价（协商资本化成本）、首付/置换、残值率、资金系数（money factor）或年利率、租期和销售税，计算月租金，并拆分为折旧费、融资费和税费。Work out a monthly car lease payment from negotiated price, down payment or trade-in, residual %, money factor (or APR), term and sales tax, split into depreciation, finance charge and tax.
房贷摊销表计算器Mortgage Amortization Calculator
输入贷款金额、年利率、年限和首次还款月份，生成完整的等额本息摊销表（每月本金、利息、剩余本金），可加每月额外还款，查看节省的利息和提前还清日期。Build a full amortization schedule (principal, interest and balance for every payment) from loan amount, rate, term and first payment month, with optional extra monthly payments to see the interest saved and the new payoff date.
房贷再融资（转贷）计算器Refinance Calculator
比较当前房贷与再融资后的新贷款：月供变化、每月节省、收回过户成本所需的“回本月数”，以及剩余期限内的总利息差，帮你判断转贷是否划算。Compare your current mortgage with a refinance: new payment, monthly savings, break-even month for closing costs and the total interest difference over the remaining life, to judge whether refinancing pays off.
出租房投资回报计算器Rental Property Calculator
输入房价、首付、贷款利率、租金、空置率和各项支出，计算净营业收入（NOI）、资本化率（Cap Rate）、每月现金流、现金回报率（Cash-on-Cash）、毛租金乘数和偿债覆盖率（DSCR）。Analyse a rental: from price, down payment, loan rate, rent, vacancy and expenses, get NOI, cap rate, monthly cash flow, cash-on-cash return, gross rent multiplier and DSCR.
RMD 最低提取额计算器RMD Calculator (Required Minimum Distribution)
按 IRS 统一寿命表（Uniform Lifetime Table，2022 年起适用），用上一年 12 月 31 日的账户余额和今年生日时的年龄计算传统 IRA / 401(k) 当年必须提取的最低金额（RMD），并提示起始年龄（1951–1959 年出生为 73 岁，1960 年及以后出生为 75 岁，1949 年 7 月 1 日至 1950 年出生为 72 岁）。Calculate this year's required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table (in effect from 2022): prior year-end balance ÷ the distribution period for your age this year. Shows the starting age (73 if born 1951–1959, 75 if born in 1960 or later, 72 if born July 1, 1949 through 1950).
学生贷款计算器Student Loan Calculator
计算学生贷款的月供、总利息和还清时间；可输入在校期间月数（未补贴贷款在校期间计息并在还款开始时资本化）和每月额外还款。Work out student loan payments, total interest and payoff time; optionally include months in school (unsubsidized interest accrues and is capitalized when repayment starts) and an extra monthly payment.
应急备用金计算器Emergency Fund Calculator
按每月必要支出（房租/房贷、食品、交通、保险、还款等）和希望覆盖的月数，计算应急备用金目标、当前缺口，以及按每月储蓄额多久能存够。Set an emergency fund target from essential monthly expenses and the number of months to cover, then see your shortfall and how long it takes to save at a given monthly amount.
信用卡返现计算器Cash Back Calculator
按各消费类别的月支出和对应返现比例，计算每月和每年可获得的返现、综合返现率，可减去年费比较不同信用卡的净收益。Estimate monthly and yearly cash back from spending per category and each category's rate, see your blended rate, and subtract the annual fee to compare cards.
CPC 点击成本计算器CPC Calculator (Cost per Click)
由广告花费和点击数计算每次点击成本 CPC，并可由展示次数得出点击率 CTR 和千次展示成本 CPM。Calculate cost per click (CPC) from ad spend and clicks, plus CTR and CPM when you add impressions.
CTR 点击率计算器CTR Calculator (Click-Through Rate)
由点击数和展示次数计算点击率 CTR，也可以反推：已知 CTR 和展示次数求点击数，或已知 CTR 和点击数求所需展示次数。Calculate click-through rate from clicks and impressions, or solve for clicks (from CTR and impressions) or impressions needed (from CTR and clicks).
贷款方案对比计算器Loan Comparison Calculator
并排比较两个贷款方案（金额、年利率、期限、手续费）：月供、总利息、总成本和含费用的实际年利率（APR），一眼看出哪个更划算。Compare two loan offers side by side — amount, rate, term and fees — to see the monthly payment, total interest, total cost and fee-inclusive APR of each.
发薪日贷款成本计算器Payday Loan Calculator
输入借款金额、手续费和借款天数，计算发薪日贷款（短期小额贷款）的真实年化利率 APR，以及多次展期后的总费用，看清高息短贷的真实成本。Enter the amount borrowed, the fee and the loan length in days to see the true APR of a payday loan and the total cost if it is rolled over several times.
股票盈亏计算器Stock Profit Calculator
输入买入价、卖出价、股数和买卖佣金，计算股票交易的盈亏金额、收益率、盈亏平衡价，可选持有天数计算年化收益率。Calculate profit or loss on a stock trade from buy price, sell price, shares and commissions, with return %, break-even price and optional annualised return from the holding period.
汽车折旧计算器Car Depreciation Calculator
按购车价、车龄和年折旧率（或第一年较高的折旧率）估算汽车现在和未来几年的残值，生成逐年折旧表。Estimate a car's value now and in future years from purchase price, age and annual depreciation rate (with an optional higher first-year drop), with a year-by-year table.
加薪计算器Pay Raise Calculator
输入当前工资和加薪百分比（或加薪金额），计算加薪后的年薪、月薪、时薪和每期工资增加额；也可由新旧工资反算加薪幅度。Enter your current pay and a raise percentage (or amount) to see your new annual, monthly and hourly pay and the increase per paycheck — or work out the raise % from old and new pay.
房租涨幅计算器Rent Increase Calculator
计算房租上涨的百分比和金额，或按涨幅求新租金，并给出未来几年按同一涨幅递增的租金和累计多付金额。Work out a rent increase as a percentage and amount, or the new rent from a percentage, and project the rent for future years at the same rate with the extra paid in total.
点钞计算器（按面额数钱）Money Counter Calculator
按面额输入纸币和硬币的张数/枚数，自动计算每种面额小计和总金额，可选人民币、美元或欧元面额，适合收银对账和存钱罐清点。Count cash by denomination: enter how many notes and coins of each value you have and get subtotals and the grand total, with Chinese yuan, US dollar or euro denominations — handy for till counts and piggy banks.
货币时间价值计算器（TVM）Time Value of Money Calculator (TVM)
像金融计算器一样，在现值 PV、终值 FV、每期付款 PMT、期数 N 和年利率之间求解任意一项，支持期初/期末付款和每年复利次数，现金流符号遵循“流入为正、流出为负”。Solve for any one of present value, future value, payment, number of periods or annual rate — like a financial calculator — with payments at the beginning or end of each period and any compounding frequency. Cash outflows are negative, inflows positive.
现金比率计算器Cash Ratio Calculator
用 (现金 + 现金等价物 + 可选的有价证券) ÷ 流动负债 计算现金比率，衡量企业不依赖应收账款和存货、仅用现金偿还短期债务的能力。Calculate the cash ratio = (cash + cash equivalents + optional marketable securities) ÷ current liabilities — a strict test of a company's ability to pay short-term debt without receivables or inventory.
股息支付率计算器Dividend Payout Ratio Calculator
用 股息 ÷ 净利润（或每股股息 ÷ 每股收益）计算股息支付率，同时给出留存率，判断公司分红是否可持续。Calculate the dividend payout ratio = dividends ÷ net income (or DPS ÷ EPS) and the retention ratio, to judge whether a dividend looks sustainable.
年金领取计算器Annuity Payout Calculator
输入年金本金、年收益率和领取年限，计算每月/每季/每年可以领取多少钱；也可以反过来输入每期领取额，算出本金能领多久。Find how much an annuity or lump sum pays each month, quarter or year for a chosen number of years at a given return — or enter the payout you want and see how long the money lasts.
船贷计算器Boat Loan Calculator
输入船价、首付、旧船折价、销售税和贷款利率期限，计算船贷月供、贷款本金和总利息。Estimate the monthly payment on a boat loan from the price, down payment, trade-in, sales tax, APR and term, with the amount financed and total interest.
大学费用计算器College Cost Calculator
按当前每年学费生活费、学费上涨率和距入学年数，估算未来大学总费用，并计算在给定投资回报率下每月需要存多少钱。Project the future cost of college from today's annual cost, tuition inflation and years until enrolment, then see how much to save each month at a given return.
负债比率计算器Debt Ratio Calculator
用总负债 ÷ 总资产计算负债比率（资产负债率），同时给出权益比率和产权比率（负债/权益），用于评估企业或家庭的财务杠杆。Calculate the debt ratio = total liabilities ÷ total assets, plus the equity ratio and debt-to-equity ratio, to gauge the leverage of a company or household.
房屋净值信贷额度（HELOC）计算器HELOC Calculator
根据房屋估值、剩余房贷和银行允许的最高综合贷款价值比（CLTV），计算可获得的 HELOC 额度；并按提款金额、利率、只付息期和还款期计算两个阶段的月供。Work out how big a home equity line of credit you may qualify for from your home value, mortgage balance and the lender's maximum CLTV, then estimate monthly payments in the interest-only draw period and the repayment period.
IRA 退休账户计算器（传统 / Roth）IRA Calculator (Traditional vs Roth)
估算传统 IRA 或 Roth IRA 到退休时的余额和税后价值，按 2026 年 IRS 缴费上限（$7,500，50 岁以上另加 $1,100 追加缴费）检查年缴费额。Project a Traditional or Roth IRA balance at retirement and its after-tax value, and check your yearly contribution against the 2026 IRS limit ($7,500, plus a $1,100 catch-up at age 50+).
按天折算房租计算器Prorated Rent Calculator
入住或退租不满整月时，按当月实际天数、全年 365 天或每月 30 天三种常见方法计算应付的折算房租。Work out prorated rent for a partial month when moving in or out, using the three common methods: actual days in the month, a 365-day year, or a 30-day banker's month.
印度公积金 PPF 计算器PPF Calculator (Public Provident Fund)
按当前 PPF 利率（2026 年 10 月 1 日–12 月 31 日为 7.1%）计算印度公共公积金 15 年（可按 5 年延期）的到期金额、累计存入和利息，含逐年明细。Calculate the maturity value of an Indian Public Provident Fund account at the current rate (7.1% for 1 Oct–31 Dec 2026) over 15 years or a 5-year extension, with total deposits, interest and a year-by-year table.
印度离职金（Gratuity）计算器Gratuity Calculator (India)
按印度《社会保障法》（Code on Social Security, 2020）规则计算离职金：最后月工资（基本工资 + 物价津贴）× 15 ÷ 26 × 服务年数，超过 6 个月按 1 年计，上限 ₹20 万卢比（20 lakh），并检查 5 年（固定期限员工 1 年）资格。Calculate gratuity under India's Code on Social Security, 2020: last drawn monthly wages (basic + DA) × 15 ÷ 26 × years of service, with more than six months rounded up to a full year, capped at ₹20 lakh, and with the 5-year (1 year for fixed-term staff) eligibility check.
印度国家养老金 NPS 计算器NPS Calculator (National Pension System)
估算印度国家养老金体系（NPS）到 60 岁时的累计金额、可一次性领取的金额，以及用年金部分购买年金后的每月养老金；按 PFRDA 2025 年 12 月新规，非政府部门用户最多可一次领取 80%。Estimate your National Pension System corpus at 60, the lump sum you can take, and the monthly pension from the annuity portion. Under PFRDA's December 2025 rules, non-government subscribers can withdraw up to 80% as a lump sum.
系统性提款计划 SWP 计算器SWP Calculator (Systematic Withdrawal Plan)
输入一次性投资金额、每月提取金额和预期年回报率，计算系统性提款计划（SWP）在若干年后的剩余金额、累计提取额，以及资金能撑多久。See what a Systematic Withdrawal Plan leaves after a number of years: enter the lump sum, the monthly withdrawal and the expected return to get the final balance, total withdrawn and how long the money lasts.
边际成本计算器（两点、成本表、成本函数）Marginal Cost Calculator (Two Points, Cost Table, Cost Function)
三种算法：由两个产量水平和对应总成本求边际成本 ΔTC/ΔQ；由一组产量和总成本数据逐段列出边际成本和平均成本；或由二次成本函数 TC = a + bQ + cQ² 求指定产量下的边际成本 MC = b + 2cQ、平均成本和平均成本最低点。本地处理。Three ways: marginal cost ΔTC/ΔQ from two output levels and their total costs; a step-by-step table of marginal and average cost from a list of quantities and total costs; or, for a quadratic cost function TC = a + bQ + cQ², the marginal cost MC = b + 2cQ at a chosen output, the average cost and where average cost is lowest. Processed locally.
边际收入计算器（两点、价格表、线性需求）Marginal Revenue Calculator (Two Points, Price Table, Linear Demand)
三种算法：由两个销量和对应总收入求边际收入 ΔTR/ΔQ；由一组价格和销量逐段计算总收入和边际收入；或由线性需求 P = a − bQ 求 MR = a − 2bQ、收入最大的销量和价格，以及该点的需求价格弹性。本地处理。Three ways: marginal revenue ΔTR/ΔQ from two sales levels and their total revenue; total and marginal revenue step by step from a list of prices and quantities; or, for linear demand P = a − bQ, MR = a − 2bQ, the revenue-maximising quantity and price, and the price elasticity there. Processed locally.
金属屋面造价计算器（含坡度、人工、拆旧、损耗）Metal Roof Cost Calculator (Pitch, Labour, Tear-off, Waste)
输入房屋占地长宽（或直接输入屋面面积）和屋面坡度，按坡度系数换算实际屋面面积和“方”数（100 平方英尺），再按材料单价、人工单价、拆除旧屋面费用和损耗估算总造价。支持公制和英制。本地处理。Enter the building footprint (or the roof area directly) and the pitch to get the true roof area from the pitch factor and the number of squares (100 ft²), then estimate the total from material price, labour rate, old-roof tear-off and waste. Works in metric or imperial. Processed locally.
月收入计算器（年薪、时薪、周薪、日薪互换，可估税后）Monthly Income Calculator (Annual, Hourly, Weekly, Daily, with Optional Take-Home)
输入年收入、时薪、周薪、双周薪或日薪中的任意一种，换算成月收入，并列出年、月、双周、周、日和小时收入对照表。可以设置每周工时和每周工作天数，并填写综合税率和扣款估算到手收入。本地处理。Enter annual pay, an hourly wage, weekly, biweekly or daily pay to get monthly income and a table of yearly, monthly, biweekly, weekly, daily and hourly figures. Set the hours and days worked each week, and add an overall tax and deduction rate to estimate take-home pay. Processed locally.
机会成本计算器（多选项比较、时间价值、投资回报）Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return)
三种用法：列出几个选项和各自的收益，找出放弃的最佳选项并计算所选选项的机会成本；按时间和每小时价值计算花时间做某件事的机会成本；或计算一笔钱用于消费而不是投资时，按年回报率在若干年后放弃的收益。本地处理。Three uses: list several options with their payoffs to find the best option given up and the opportunity cost of your choice; work out the cost of time from hours spent and the value of an hour; or see the return given up over some years when money is spent instead of invested at an annual rate. Processed locally.
租金分摊计算器（均分、按收入、按房间面积）Rent Split Calculator (Equal, by Income, by Room Size)
三种分摊房租的方式：人数均分；按各自收入比例分摊；按各自卧室面积分摊（公共区域部分按人数均分，比例可调）。给出每人每月金额、占比和全年金额。本地处理。Three ways to split rent: equally by head count; in proportion to income; or by bedroom size, with a share for common areas split equally (adjustable). Shows the monthly amount, percentage and yearly total for each person. Processed locally.
贷款还款计算器（等额本息、还款频率、额外还款节省）Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings)
等额本息贷款的每期还款额、总还款和总利息，支持每月、每两周、每周还款；可填每期额外还款，看提前多久还清、少付多少利息。本地处理。Fixed-payment (amortising) loan: payment per period, total repaid and total interest, with monthly, fortnightly or weekly payments. Add an extra payment per period to see how much sooner the loan is paid off and the interest saved. Processed locally.
净现值计算器（NPV、IRR、获利指数、折现回收期）Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback)
输入初始投资和各期现金流（可每期不同，用空格或换行分隔；只填一个数并填期数则视为每期相同），按折现率算净现值 NPV，同时给出内部收益率 IRR、获利指数和折现回收期。本地处理。Enter the initial investment and the cash flow of each period (different amounts separated by spaces or line breaks, or one amount plus a number of periods for equal flows). Get the net present value at your discount rate, plus the internal rate of return, profitability index and discounted payback period. Processed locally.
名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding)
在实际年利率（EAR/APY）和名义年利率（APR）之间换算：r = m·((1 + EAR)^(1/m) - 1)，EAR = (1 + r/m)^m - 1，可选每年复利次数或连续复利，并给出每期利率。本地处理。Convert between the effective annual rate (EAR/APY) and the nominal annual rate (APR): r = m·((1 + EAR)^(1/m) - 1) and EAR = (1 + r/m)^m - 1, for any compounding frequency or continuous compounding, with the rate per period. Processed locally.
销售毛利示意Sales Calculator
毛利 = 售价 - 成本；毛利率 = 毛利/售价。本地处理。可设置「售价」、「成本」。Margin = price - cost; margin % = margin/price. Processed locally. Settings: Price, Cost.
直线折旧Straight Line Depreciation
年折旧 = (成本 - 残值) / 年限。本地处理。可设置「成本」、「残值」、「使用年限」。Annual depreciation = (cost - salvage) / years. Processed locally. Settings: Cost, Salvage, Useful life years.
气球贷尾款示意Balloon Payment Calculator
等额分期后剩余本金作尾款（简化）。本地处理。可设置「本金」、「年利率 %」、「总年限」、「先付年数」。Remaining principal after level payments as balloon (simplified). Processed locally. Settings: Principal, APR %, Total years, Years of payments.
英国国民保险示意（雇员主税率、周/年估）UK National Insurance Estimator (Employee Main Rate, Weekly/Annual Demo)
按你填写的周薪、周起征点和雇员主税率，估算一周应计 NI 和 ×52 年化额。这是本地示意，不是 HMRC 正式计算，也不含雇主 NI、特殊档或减免。本地处理。Estimate weekly employee NI and a ×52 annual figure from weekly pay, the weekly threshold and the main employee rate you enter. Local demo only - not an HMRC calculation, and it omits employer NI, special bands and reliefs. Processed locally.
看涨看跌平价计算器（欧式、无红利示意）Put-Call Parity Calculator (European, No-Dividend Demo)
欧式、无红利示意：C − P = S − K e^(−rT)。已知看涨价可求隐含看跌，或反过来。本地处理，非交易报价。European, no-dividend demo: C − P = S − K e^(−rT). From a call price get the implied put, or the other way around. Processed locally - not a live quote.
净资产收益率计算器（ROE）Return on Equity Calculator (ROE)
ROE = 净利润 / 股东权益，以百分数显示。权益须大于 0；净利润可为负（亏损时 ROE 为负）。本地处理。ROE = net income / equity, shown as a percent. Equity must be greater than 0; net income may be negative (loss → negative ROE). Processed locally.
平均收账期Average Collection Period
ACP = 365 × 应收账款 / 赊销额。本地处理。可设置「应收账款」、「赊销额」。ACP = 365 × receivables / credit sales. Processed locally. Settings: Receivables, Credit sales.
日复利示意Daily Compound Interest
A = P (1+r/365)^(365 t)。本地处理。可设置「本金」、「年利率 %」、「年数」。A = P (1+r/365)^(365 t). Processed locally. Settings: Principal, APR %, Years.
应收账款周转天数 DSODays Sales Outstanding
DSO = 365 × AR / 收入。本地处理。可设置「应收账款」、「收入」。DSO = 365 × AR / revenue. Processed locally. Settings: AR, Revenue.
贴现率示意Discount Rate Calculator
由现价与面值：r = (F/P)^(1/t) - 1。本地处理。可设置「现价」、「未来值 / 面值」、「年数」。From present and face: r = (F/P)^(1/t) - 1. Processed locally. Settings: Present value, Future / face, Years.
期末存货Ending Inventory Calculator
期末 = 期初 + 购进 - 销货成本。本地处理。可设置「期初存货」、「购进」、「销货成本」。Ending = beginning + purchases - COGS. Processed locally. Settings: Beginning, Purchases, COGS.
财务杠杆比率Financial Leverage Ratio
杠杆 = 平均总资产 / 平均股东权益。本地处理。可设置「平均总资产」、「平均权益」。Leverage = average assets / average equity. Processed locally. Settings: Avg assets, Avg equity.
GDP 平减指数GDP Deflator Calculator
平减指数 = 名义 GDP / 实际 GDP × 100。本地处理。可设置「名义 GDP」、「实际 GDP」。Deflator = nominal GDP / real GDP × 100. Processed locally. Settings: Nominal GDP, Real GDP.
毛利率Gross Margin Calculator
毛利率 = (收入 - 成本) / 收入。本地处理。可设置「收入」、「成本」。Gross margin = (revenue - cost) / revenue. Processed locally. Settings: Revenue, COGS.
高低点法High-Low Method Calculator
变动成本率 = (高点成本-低点成本)/(高点业务量-低点业务量)。本地处理。可设置「高点业务量」、「高点成本」、「低点业务量」、「低点成本」。Variable cost rate = (high cost - low cost) / (high activity - low activity). Processed locally. Settings: High activity, High cost, Low activity, Low cost.
内在价值示意（股利折现）Intrinsic Value (DDM demo)
戈登模型：P = D₁ / (k - g)。本地处理。可设置「下期股利」、「要求回报率 %」、「增长率 %」。Gordon growth: P = D₁ / (k - g). Processed locally. Settings: Next dividend, Required return %, Growth %.
到期本息（单利）Maturity Value (simple interest)
到期值 MV = P(1 + r t)，单利示意。本地处理。可设置「本金」、「年利率 %」、「年数」。Maturity value MV = P(1 + r t), simple interest demo. Processed locally. Settings: Principal, Annual rate %, Years.
经营现金流示意Operating Cash Flow (demo)
OCF ≈ 净利润 + 折旧 - Δ营运资本。本地处理。可设置「净利润」、「折旧摊销」、「Δ营运资本」。OCF ≈ net income + depreciation - ΔNWC. Processed locally. Settings: Net income, Depreciation, ΔNWC.
留存收益Retained Earnings
期末 RE = 期初 RE + 净利润 - 股利。本地处理。可设置「期初留存收益」、「净利润」、「股利」。Ending RE = beginning RE + NI - dividends. Processed locally. Settings: Beginning RE, Net income, Dividends.
薪资换算Wage Conversion
时薪 / 日薪 / 月薪 / 年薪互算（按工作时长）。本地处理。可设置「已知」、「金额」、「每天小时」、「每周天」、「每年周」。Hourly / daily / monthly / yearly from hours worked. Processed locally. Settings: Given, Amount, Hours/day, Days/week, Weeks/year.
偿债基金Sinking Fund
每期存 A = FV × r / ((1+r)^n - 1)。本地处理。可设置「目标金额」、「期利率 %」、「期数」。Deposit A = FV × r / ((1+r)^n - 1). Processed locally. Settings: Target amount, Rate per period %, Periods.
经济订货量 EOQEOQ Calculator
EOQ = √(2 D S / H)。本地处理。可设置「年需求」、「每次订货成本」、「单位年持有成本」。EOQ = √(2 D S / H). Processed locally. Settings: Annual demand, Order cost, Holding cost / unit / year.
有效年利率 EAREffective Annual Rate
EAR = (1 + r/m)^m - 1。本地处理。可设置「名义年利率 %」、「年复利次数」。EAR = (1 + r/m)^m - 1. Processed locally. Settings: Nominal APR %, Compounds / year.
定金 / 诚意金Earnest Money
定金 = 房价 × 比例%。本地处理。可设置「房价」、「比例 %」。Earnest money = price × percent. Processed locally. Settings: Price, Percent %.
债务雪球期数示意Debt Snowball Periods (demo)
按固定月供还清一笔债务所需月数（雪球第一步示意；最多模拟 1200 期）。本地处理。可设置「余额」、「年利率 %」、「月供」。Months to clear one debt at a fixed payment (snowball step demo; simulates at most 1200 periods). Processed locally. Settings: Balance, APR %, Monthly payment.
债务收入比 DTIDebt-to-Income Ratio
DTI = 月偿债 / 月收入 × 100%。本地处理。可设置「月偿债」、「月收入」。DTI = monthly debt / monthly income × 100%. Processed locally. Settings: Monthly debt, Monthly income.
人员流动率Turnover Rate
流动率 = 离职人数 / 平均人数 × 100%。本地处理。可设置「离职人数」、「平均人数」。Turnover = separations / average headcount × 100%. Processed locally. Settings: Separations, Average headcount.
盈利能力指数 PIProfitability Index
PI = PV(未来现金流) / 初始投资。本地处理。可设置「未来现金流现值」、「初始投资」。PI = PV(future cash flows) / initial investment. Processed locally. Settings: PV of future CF, Initial investment.
费雪方程式Fisher Equation
(1+i) = (1+r)(1+π) ⇒ i ≈ r+π。本地处理。可设置「实际利率 %」、「通胀率 %」。(1+i)=(1+r)(1+π) ⇒ i ≈ r+π. Processed locally. Settings: Real rate %, Inflation %.
永续年金Perpetuity Calculator
PV = C / r。本地处理。可设置「每期现金流」、「折现率 %」。PV = C / r. Processed locally. Settings: Cash flow per period, Discount rate %.
现金周转周期 CCCCash Conversion Cycle
CCC = DIO + DSO - DPO。本地处理。可设置「存货周转天数 DIO」、「应收周转天数 DSO」、「应付周转天数 DPO」。CCC = DIO + DSO - DPO. Processed locally. Settings: Days inventory DIO, Days sales DSO, Days payable DPO.
货币重量示意Money Weight (demo)
按面额与单张克重估算总重量。本地处理。可设置「张/枚数」、「每张/枚克重」。Total weight from count × grams per note/coin. Processed locally. Settings: Count, Grams each.
租约里程Lease Mileage
超额里程费 = max(0, 实际 - 允许) × 单价。本地处理。可设置「允许里程」、「实际里程」、「超额单价」。Overage = max(0, actual - allowed) × rate. Processed locally. Settings: Allowed miles, Actual miles, Overage rate.
退休年龄计算器（中国 2025 新规）Retirement Age Calculator (China, 2025 rules)
按 2025 年 1 月 1 日起施行的渐进式延迟法定退休年龄办法，由出生年月和人员类别算出法定退休年龄、退休时间和弹性提前 / 延迟的范围。本地处理。Works out the statutory retirement age, retirement month and the flexible early/late range from birth month and category, under China's gradual retirement-age reform in force from 1 January 2025. Processed locally.
复合增长Compound Growth
终值 = 初值 × (1+r)^n。本地处理。可设置「初值」、「每期增长率 %」、「期数」。Final = start × (1+r)^n. Processed locally. Settings: Start, Rate % per period, Periods.
债券凸性示意Bond Convexity (demo)
用三点价格对凸性的差分示意（本页不计算久期）。本地处理。可设置「现价」、「涨价」、「跌价」、「利率变动」。Finite-difference convexity demo from three prices. Processed locally. Settings: Price, Price up, Price down, Yield step.
债券等值收益率 BEYBond Equivalent Yield
BEY = (面值-价格)/价格 × 365/天。本地处理。可设置「面值」、「价格」、「剩余天数」。BEY = (face-price)/price × 365/days. Processed locally. Settings: Face, Price, Days to maturity.
资本利得收益率Capital Gains Yield
CGY = (P₁ - P₀) / P₀。本地处理。可设置「期初价」、「期末价」。CGY = (P₁ - P₀) / P₀. Processed locally. Settings: Start price, End price.
信用卡利息与还清时间Credit Card Interest Calculator
按年利率和每月固定还款，计算每月利息、还清所需月数和总利息。本地处理。可设置「欠款余额」、「年利率 %」、「每月还款」。Monthly interest, months to pay off and total interest at a fixed monthly payment. Processed locally. Settings: Balance, APR %, Monthly payment.
斐波那契回撤位Fibonacci Retracement Calculator
根据波段高点和低点计算 23.6%、38.2%、50%、61.8%、78.6% 回撤价位及 127.2%、161.8% 扩展位。本地处理。Retracement levels at 23.6%, 38.2%, 50%, 61.8% and 78.6%, plus 127.2% and 161.8% extensions, from a swing high and low. Processed locally.
AdSense 收入估算Google AdSense Revenue Calculator
收入 = 页面浏览量 × 点击率 × 每次点击收入（CPC），也可看 RPM（每千次浏览收入）。仅为估算。本地处理。Revenue = page views × click-through rate × cost per click; RPM (revenue per 1,000 views) is shown too. Estimate only. Processed locally.
持有期收益率Holding Period Return Calculator
HPR = (期末价值 - 期初价值 + 期间收入) / 期初价值；给出持有年数时还会换算年化收益率。本地处理。HPR = (ending value - starting value + income) / starting value; with a holding period in years it also annualises. Processed locally.
买房负担能力（能买多贵的房）Home Affordability Calculator
按 28/36 规则：住房月供不超过月收入的 28%，含其他负债不超过 36%，据此反推最高贷款额和房价（未含房产税和保险，可在"其他月支出"中加上）。本地处理。Using the 28/36 rule - housing payment at most 28% of gross monthly income and all debts at most 36% - work back to the maximum loan and home price (taxes and insurance excluded unless you add them to other monthly costs). Processed locally.
即期年金（一次性缴费每月领取）Immediate Annuity Calculator
一次性缴入本金，按年利率在固定年限内每月（或每年）等额领取：领取额 = P × r / (1 - (1 + r)^-n)。不含费用和税。本地处理。Pay a lump sum and receive equal monthly (or yearly) payouts for a fixed term: payout = P × r / (1 - (1 + r)^-n). Fees and taxes excluded. Processed locally.
利息保障倍数Interest Coverage Ratio Calculator
利息保障倍数 = 息税前利润 EBIT ÷ 利息费用，衡量公司用经营利润支付利息的能力。本地处理。Interest coverage = EBIT ÷ interest expense - how easily operating profit pays the interest bill. Processed locally.
追加保证金触发价Margin Call Calculator
融资买入后，股价跌到 P × (1 - 初始保证金比例) / (1 - 维持保证金比例) 时触发追加保证金。本地处理。After buying on margin, a margin call is triggered when the price falls to P × (1 - initial margin) / (1 - maintenance margin). Processed locally.
房贷保险 PMIPMI Calculator (Private Mortgage Insurance)
首付不足 20% 时通常需要 PMI：每月 PMI = 贷款额 × 年费率 ÷ 12；并显示贷款价值比（LTV）以及 LTV 降到 80% / 78% 时的贷款余额。本地处理。With less than 20% down you usually pay PMI: monthly PMI = loan × annual rate ÷ 12. Also shows the loan-to-value ratio (LTV) and the balance at which LTV reaches 80% / 78%. Processed locally.
年金现值系数 PVIFAPVIFA Calculator (Present Value Interest Factor of an Annuity)
PVIFA = (1 - (1 + r)^-n) / r；期初年金再乘 (1 + r)。填写每期金额时同时给出年金现值。本地处理。PVIFA = (1 - (1 + r)^-n) / r; for an annuity due multiply by (1 + r). Enter a payment to get the present value too. Processed locally.
实际收益率（扣除通胀）Real Rate of Return Calculator
实际收益率 = (1 + 名义收益率) / (1 + 通胀率) - 1（费雪方程），并给出简单近似值"名义 - 通胀"。本地处理。Real return = (1 + nominal) / (1 + inflation) - 1 (the Fisher equation), with the simple approximation nominal - inflation. Processed locally.
房车贷款RV Loan Calculator
按房车价格、首付、年利率和年限计算每月还款、总利息和总费用（等额本息）。本地处理。Monthly payment, total interest and total cost for an RV loan from price, down payment, rate and term (fixed-rate amortisation). Processed locally.
索提诺比率Sortino Ratio Calculator
索提诺比率 = (组合收益率 - 无风险利率) ÷ 下行标准差，只惩罚低于目标的波动。可直接填下行偏差，或填一组各期收益率自动计算。本地处理。Sortino ratio = (portfolio return - risk-free rate) ÷ downside deviation, penalising only returns below the target. Enter the downside deviation or a list of period returns. Processed locally.
股票贝塔系数 βStock Beta Calculator
β = Cov(股票收益, 市场收益) ÷ Var(市场收益)：输入同期的股票和市场收益率序列（%），同时给出相关系数和 R²。本地处理。β = Cov(stock, market) ÷ Var(market): enter matching series of stock and market returns (%); correlation and R² are shown too. Processed locally.
股票拆股 / 合股Stock Split Calculator
按拆股比例（如 3 拆 1）计算拆股后的股数和股价，总市值不变；比例小于 1（如 1 合 10）即为合股（反向拆股）。本地处理。Shares and price after a split at a given ratio (e.g. 3-for-1); the total value stays the same. A ratio below 1 (e.g. 1-for-10) is a reverse split. Processed locally.
已获利息倍数 TIETimes Interest Earned Ratio Calculator
TIE = 息税前利润 EBIT ÷ 利息费用；也可由净利润、所得税和利息反推 EBIT。数值越高，偿付利息越轻松。本地处理。TIE = EBIT ÷ interest expense; EBIT can also be built from net income + taxes + interest. Higher means interest is easier to cover. Processed locally.
总资产周转率Total Asset Turnover Calculator
总资产周转率 = 营业收入 ÷ 平均总资产（期初与期末的平均），衡量资产创造收入的效率。本地处理。Total asset turnover = revenue ÷ average total assets (mean of beginning and end), a measure of how efficiently assets generate sales. Processed locally.
特雷诺比率Treynor Ratio Calculator
特雷诺比率 = (组合收益率 - 无风险利率) ÷ β，衡量每单位系统性风险获得的超额收益。本地处理。Treynor ratio = (portfolio return - risk-free rate) ÷ β, the excess return per unit of systematic risk. Processed locally.
变额年金（扣费后增长）Variable Annuity Calculator
按投资收益率扣除年金的保险费（M&E）、管理费和基金费用后的净收益率复利增长，比较扣费前后的期末价值。仅为示意。本地处理。Grow the account at the investment return minus mortality-and-expense, administrative and fund fees, and compare the ending value with and without fees. Illustration only. Processed locally.
信用卡财务费用（平均日余额法）Finance Charge Calculator
财务费用 = 平均日余额 × 年利率 ÷ 365 × 账单天数（平均日余额法，最常见的信用卡算法）。本地处理。Finance charge = average daily balance × APR ÷ 365 × days in the billing cycle (the average daily balance method most cards use). Processed locally.
投前 / 投后估值Pre- and Post-Money Valuation Calculator
投后估值 = 投前估值 + 投资额，投资人股比 = 投资额 ÷ 投后估值。也可由投资额和出让股比反推估值。本地处理。Post-money = pre-money + investment, and the investor stake = investment ÷ post-money. Or work back from the investment and the stake sold. Processed locally.
仓位计算（按风险）Position Size Calculator (Risk-Based)
股数 = 账户 × 风险% ÷ |入场价 - 止损价|。可设置「账户权益」、「单笔风险 %」、「入场价」、「止损价」、「乘数」。Shares = equity × risk% ÷ |entry - stop|. Settings: Account equity, Risk per trade %, Entry price, Stop-loss price, Multiplier.
发票税额计算Invoice Tax Calculator
小计 × 税率 = 税额，合计 = 小计 + 税额；可选折扣%。可设置「小计」、「税率 %」、「折扣 %」。Tax = subtotal × rate; total = subtotal + tax; optional discount %. Settings: Subtotal, Tax rate %, Discount %.
税后工资计算Salary After Tax Calculator
税后 = 税前 - 税前 × 税率% - 固定扣款（简化模型，非各地法定个税）。可设置「税前收入」、「税率 %」、「固定扣款」、「周期说明」。Net = gross - gross × tax% - fixed deductions (simplified - not a statutory tax engine). Settings: Gross pay, Tax rate %, Fixed deductions, Period label.
加州销售税计算器California Sales Tax Calculator
按加州销售税率 7.25%（Tax Foundation「2026 Sales Tax Rates」（截至 2026 年 1 月 1 日））加上你所在地的地方税率，计算商品的销售税和含税总价，或从含税价反推税前价。Work out sales tax and the total price with the California state rate of 7.25% (Tax Foundation, 2026 Sales Tax Rates (as of 1 January 2026)) plus your local rate, or back out the pre-tax price from a tax-inclusive total.
佛罗里达州销售税计算器Florida Sales Tax Calculator
按佛罗里达州销售税率 6%（Tax Foundation「2026 Sales Tax Rates」（截至 2026 年 1 月 1 日））加上你所在地的地方税率，计算商品的销售税和含税总价，或从含税价反推税前价。单件商品的地方附加税只对前 $5,000 计征。Work out sales tax and the total price with the Florida state rate of 6% (Tax Foundation, 2026 Sales Tax Rates (as of 1 January 2026)) plus your local rate, or back out the pre-tax price from a tax-inclusive total. For a single item, the local surtax applies only to the first $5,000.
密苏里州销售税计算器Missouri Sales Tax Calculator
按密苏里州销售税率 4.225%（Tax Foundation「2026 Sales Tax Rates」（截至 2026 年 1 月 1 日））加上你所在地的地方税率，计算商品的销售税和含税总价，或从含税价反推税前价。Work out sales tax and the total price with the Missouri state rate of 4.225% (Tax Foundation, 2026 Sales Tax Rates (as of 1 January 2026)) plus your local rate, or back out the pre-tax price from a tax-inclusive total.
新泽西州销售税计算器New Jersey Sales Tax Calculator
按新泽西州销售税率 6.625%（Tax Foundation「2026 Sales Tax Rates」（截至 2026 年 1 月 1 日））加上你所在地的地方税率，计算商品的销售税和含税总价，或从含税价反推税前价。新泽西州没有县市地方销售税；城市企业区和塞勒姆县的合格交易按减半税率 3.3125% 计征。Work out sales tax and the total price with the New Jersey state rate of 6.625% (Tax Foundation, 2026 Sales Tax Rates (as of 1 January 2026)) plus your local rate, or back out the pre-tax price from a tax-inclusive total. New Jersey has no county or city sales tax; qualified sales in Urban Enterprise Zones and Salem County are taxed at half the rate, 3.3125%.
俄亥俄州销售税计算器Ohio Sales Tax Calculator
按俄亥俄州销售税率 5.75%（Tax Foundation「2026 Sales Tax Rates」（截至 2026 年 1 月 1 日））加上你所在地的地方税率，计算商品的销售税和含税总价，或从含税价反推税前价。Work out sales tax and the total price with the Ohio state rate of 5.75% (Tax Foundation, 2026 Sales Tax Rates (as of 1 January 2026)) plus your local rate, or back out the pre-tax price from a tax-inclusive total.
VA 贷款计算器（含资金费）VA Loan Calculator (with Funding Fee)
按美国退伍军人事务部（VA）现行资金费率表计算 VA 购房贷款的资金费（funding fee）、计入资金费后的贷款额和月供，可选首次或再次使用、首付比例和免缴资金费的情况，并可加上房产税、保险。Calculate a VA purchase loan's funding fee from the current VA fee table, the loan amount with the fee financed and the monthly payment — first or subsequent use, down payment, fee exemption — with optional property tax and insurance.
浮动利率房贷（ARM）计算器ARM Mortgage Calculator
估算 5/1、7/1、10/1 等可调利率房贷（ARM）的初始月供、首次调整后的月供和利率上限下的最高月供：输入初始利率、固定期、调整周期、调整后假设的完全指数化利率和三个利率上限（首次/每次/终身）。Estimate an adjustable-rate mortgage (5/1, 7/1, 10/1, …): the initial payment, the payment after the first reset and the worst case under the caps. Enter the start rate, fixed period, adjustment interval, an assumed fully indexed rate and the initial, periodic and lifetime caps.
房产税计算器Property Tax Calculator
按 房产税 = (市场价值 × 评估比例 − 减免额) × 税率 计算每年和每月的房产税；税率可按百分比或千分之几（mill rate，每 $1,000 评估值的税额）输入。所有默认值都是示例值。Calculate yearly and monthly property tax as (market value × assessment ratio − exemptions) × tax rate, with the rate as a percentage or a mill rate (tax per $1,000 of assessed value). All defaults are example values.
信用卡额度使用率计算器Credit Utilization Calculator
输入每张信用卡的额度和当前欠款，计算每张卡和总体的额度使用率（欠款 ÷ 额度），并算出要把总体使用率降到目标值需要还多少钱。Enter each card's credit limit and balance to get per-card and overall credit utilization (balance ÷ limit), and how much to pay down to reach a target overall rate.
股息计算器（含股息再投资）Dividend Calculator (with DRIP)
输入持股数、股价、每股年股息和派息频率，计算每期和每年的股息收入、股息率，并可按股息再投资（DRIP）和股息增长率预测未来若干年的持股和收入。Enter the number of shares, share price, annual dividend per share and payment frequency to get income per payment and per year and the yield, with an optional dividend reinvestment (DRIP) and dividend-growth projection.
资本化率（Cap Rate）计算器Cap Rate Calculator
计算房地产投资的资本化率 = 净营业收入（NOI）÷ 房产价值，或由资本化率反推房产价值、由价值和资本化率求 NOI；也可以从租金收入、空置率和运营费用算出 NOI。Calculate a property's capitalization rate = net operating income (NOI) ÷ value, or solve for value or NOI; NOI can also be built from rent, vacancy and operating expenses.
基点（BP）计算器Basis Point Calculator
在基点、百分比和小数之间换算（1 bp = 0.01%），并把基点变化应用到利率上，计算新利率以及对一笔本金每年利息的影响。Convert between basis points, percent and decimals (1 bp = 0.01%), and apply a basis-point change to a rate to get the new rate and the effect on a year's interest for a principal.
一次性投资（Lumpsum）计算器Lumpsum Investment Calculator
计算一次性投入一笔钱、按预期年化收益率复利增长若干年后的价值和收益，可选按通胀折算成今天的购买力；也可由目标金额反推需要投入多少。Calculate what a one-time investment grows to at an expected yearly return, and the gain, with an optional inflation-adjusted value; or work back from a target to the amount needed today.
企业估值计算器Business Valuation Calculator
用三种常见方法估算小企业价值：收益倍数法（SDE 或 EBITDA × 行业倍数）、现金流折现法（DCF，含终值）和资产法（资产 − 负债）。Estimate what a small business is worth with three common methods: earnings multiple (SDE or EBITDA × an industry multiple), discounted cash flow (DCF with a terminal value), and asset-based (assets − liabilities).
客户流失率计算器Churn Rate Calculator
由期初客户数和流失客户数计算流失率与留存率，并换算成月流失率、年流失率和平均客户生命周期。Find the churn and retention rate from customers at the start and customers lost, then convert to a monthly and yearly churn rate and the average customer lifetime.
转化率计算器Conversion Rate Calculator
由访客数和转化数计算转化率及其 95% 置信区间（Wilson 法），可估算每位访客带来的收入，以及达到目标转化率还需多少次转化。Work out the conversion rate from visitors and conversions, with a 95% confidence interval (Wilson method), revenue per visitor, and how many more conversions a target rate needs.
CPA（单次获客成本）计算器CPA Calculator
计算每次获客（转化）成本 CPA = 广告花费 ÷ 转化数，或由单次点击成本和转化率推算；填写客户价值后可看每次获客的利润和价值/成本比。Find cost per acquisition, CPA = ad spend ÷ conversions, or derive it from cost per click and conversion rate; add a customer value to see profit per acquisition and the value-to-cost ratio.
需求价格弹性计算器Price Elasticity of Demand Calculator
用中点（弧弹性）法由两组价格和需求量计算需求价格弹性，判断富有弹性、单位弹性或缺乏弹性，并比较价格变化前后的总收入。Calculate price elasticity of demand from two prices and quantities using the midpoint (arc) method, classify it as elastic, unit elastic or inelastic, and compare total revenue before and after.
企业价值（EV）计算器Enterprise Value Calculator
企业价值 EV = 股权市值 + 总债务 + 优先股 + 少数股东权益 − 现金及等价物；可同时计算 EV/EBITDA 和 EV/营收倍数。Enterprise value EV = market cap + total debt + preferred stock + minority interest − cash and equivalents, with EV/EBITDA and EV/revenue multiples.
EBIT（息税前利润）计算器EBIT Calculator
用三种方式计算息税前利润 EBIT：营收 − 销售成本 − 营业费用，净利润 + 利息 + 所得税，或 EBITDA − 折旧摊销；并给出 EBIT 利润率和利息保障倍数。Calculate EBIT (earnings before interest and taxes) three ways — revenue − cost of goods sold − operating expenses, net income + interest + taxes, or EBITDA − depreciation and amortization — with the EBIT margin and interest coverage.
股权成本计算器Cost of Equity Calculator
用资本资产定价模型（CAPM：无风险利率 + β × 市场风险溢价）或股利增长模型（下期股利 ÷ 股价 + 增长率）计算股权成本。Calculate the cost of equity with CAPM (risk-free rate + β × market risk premium) or the dividend growth model (next dividend ÷ share price + growth rate).
边际贡献计算器Contribution Margin Calculator
计算单位边际贡献（售价 − 单位变动成本）、边际贡献率和总边际贡献；填写固定成本和销量后，还可看营业利润、安全边际和经营杠杆。Find unit contribution margin (price − variable cost per unit), the contribution margin ratio and total contribution; add fixed costs and units sold for operating income, margin of safety and operating leverage.
实际现金价值（ACV）计算器Actual Cash Value Calculator
按直线折旧估算保险理赔中物品的实际现金价值（ACV = 重置成本 − 折旧），扣除免赔额得出可能的赔付，并与按重置成本（RCV）赔付对比。Estimate an item's actual cash value for an insurance claim with straight-line depreciation (ACV = replacement cost − depreciation), subtract the deductible, and compare with a replacement cost (RCV) payout.
房产中介佣金计算器Real Estate Commission Calculator
按成交价和佣金比例计算房产中介佣金，拆分卖方和买方经纪人、经纪人与所属公司的分成，并算出卖方净得；也可由期望净得反推所需售价。Work out the real estate commission from the sale price and rate, split it between listing and buyer's agents and between each agent and their brokerage, and find the seller's net — or solve for the price needed to net a target amount.
会议成本计算器Meeting Cost Calculator
按参会人数、平均时薪（或年薪）和会议时长估算一次会议的人力成本，可加上福利等附加成本，并按每周频率估算全年花费。Estimate the staff cost of a meeting from the number of attendees, average hourly pay (or yearly salary) and length, with an optional benefits load and the yearly cost for a recurring meeting.
1.5 倍加班工资计算器（美国）Time and a Half Calculator
按美国常见规则计算加班工资：超过每周阈值（默认 40 小时）的工时按 1.5 倍时薪（或 2 倍）计，得出加班时薪、加班工资和总工资。Calculate US-style overtime: hours over the weekly threshold (40 by default) are paid at 1.5× (or 2×) the hourly rate, giving the overtime rate, overtime pay and total pay.
商业房贷计算器（中国）China Commercial Mortgage Calculator
中国商业住房贷款月供：等额本息 / 等额本金，显示首月月供、末月月供、总利息和还款总额。利率请自行按当前 LPR±基点填写。China commercial home loan payment: equal installment or equal principal, with first/last payment, total interest and repayment. Enter the rate from current LPR ± basis points yourself.
公积金贷款计算器（中国）China Housing Provident Fund Loan Calculator
住房公积金贷款月供：等额本息 / 等额本金。利率请按当地公积金中心公布的一/二套房利率填写。China housing provident fund loan payment: equal installment or equal principal. Enter the rate published by your local fund centre.
房贷还款计划表（中国）China Mortgage Amortization Schedule
生成商业房贷逐月还款计划：等额本息或等额本金，列出每期月供、利息、本金和余额（最多显示前 360 行）。Month-by-month China commercial mortgage schedule (equal installment or equal principal): payment, interest, principal and balance (first 360 rows).
等额本金提前还款计算器China Equal-Principal Prepayment Calculator
等额本金房贷提前还款：期限不变时的新首月月供、末月月供和节省利息（相对原计划）。Prepay an equal-principal China mortgage keeping the remaining term: new first/last payment and interest saved versus the original plan.
提前还款对比计算器（中国）China Mortgage Prepayment Compare
商业房贷（等额本息）提前还款：对比「减少月供」与「缩短年限」两种方式节省的利息。China commercial mortgage (equal installment) prepayment: compare lowering the payment versus shortening the term.
LPR 加点利率换算China LPR ± Basis Points Converter
把 LPR（%）与基点（BP，1 BP = 0.01%）换算为合同年利率；也可由年利率与 LPR 反推加点。不联网，LPR 请手动填写最新报价。Convert LPR (%) plus basis points (1 bp = 0.01%) to a contractual annual rate, or reverse from rate and LPR. Enter LPR yourself - no live feed.
契税计算器（中国）China Deed Tax Calculator
按房屋成交价和契税税率估算应缴契税。税率因城市、面积、是否首套而异，请按当地政策修改税率（默认 1.5% 仅作示例）。Estimate China deed tax from the purchase price and rate. Rates vary by city, size and first-home status - edit the rate (default 1.5% is only an example).
购房总成本估算（中国）China Home Purchase Cost Estimator
估算买房一次性支出：首付、契税、中介费、维修基金、权属登记等（比例均可改），不含贷款利息。Estimate one-off China home-buying costs: down payment, deed tax, agency fee, maintenance fund, registration (all rates editable). Loan interest not included.
税后工资计算器（中国）China Take-Home Pay Calculator
由税前月薪、五险一金个人部分和专项附加扣除，用 2026 累计预扣法估算当月个税与税后工资（与「个人所得税计算器」同一税率表）。Estimate monthly IIT and take-home pay from gross salary, employee social contributions and special deductions using 2026 cumulative withholding (same brackets as the China income tax calculator).
专项附加扣除汇总China Special Additional Deduction Summary
汇总子女教育、继续教育、住房贷款利息/租金、赡养老人、婴幼儿照护等专项附加扣除月金额（请按税务 App 核定填写）。Sum monthly special additional deductions (children's education, continuing education, mortgage interest or rent, elderly care, infant care - enter amounts from your tax app).
公积金缴存计算器China Housing Fund Contribution Calculator
按缴存基数和个人/单位比例计算住房公积金月缴存额（五险不含）。基数上下限请按当地公布填写。Monthly housing provident fund contribution from base and employee/employer rates (pensions etc. excluded). Enter local base min/max.
公积金贷款额度估算（示意）China Housing Fund Loan Eligibility (Illustrative)
示意性估算：可贷额度 ≈ min(账户余额 × 倍数, 缴存基数 × 收入倍数 × 年限系数, 当地最高额)。倍数可改，结果仅供参考，以中心核定为准。Illustrative estimate: max loan ≈ min(balance × multiplier, contribution base × income factor × term factor, local cap). Editable multipliers - fund centre decision prevails.
银行存款利息计算器China Bank Deposit Interest Calculator
估算存款利息：整存整取（按年利率×存期）或活期（按日）。利率请按银行挂牌填写，未计利息税（当前暂免）。Estimate deposit interest: time deposit (rate × term) or demand (daily). Enter the bank's posted rate; interest tax currently exempt.
贷款按日计息计算器China Loan Daily Interest Calculator
按日利率或年利率折算，计算占用天数产生的利息（适合过桥、临时周转估算）。Interest for days outstanding from a daily or annual rate (bridge / short-term estimates).
消费贷计算器（中国）China Consumer Loan Calculator
个人消费贷款等额本息月供与总利息。年化利率请按合同 APR / IRR 填写（有些产品宣传「日利率」需先换算）。Equal-installment payment and total interest for a China personal consumer loan. Enter the contractual APR/IRR (convert daily rates first if needed).
车贷计算器（中国）China Auto Loan Calculator
汽车贷款等额本息：车价、首付、费率/利率、期数。可计入购置税粗算（税率可改）。China auto loan equal installment from price, down payment, rate and term. Optional rough purchase-tax line (editable rate).
劳务报酬个税计算器China Labor Remuneration Tax Calculator
预扣预缴劳务报酬所得税：每次收入≤4000 扣 800，>4000 扣 20%；再按 20%/30%/40% 三级税率（含速算扣除）。China withholding on labor remuneration: deduct 800 if income ≤4,000 else 20%; then 20%/30%/40% brackets with quick deductions.
年终奖单独计税 vs 并入综合所得Bonus Alone vs Into Comprehensive Income
比较年终奖「单独计税」与「并入综合所得」的税负差（示意：综合所得用年应纳税所得额估算）。单独计税沿用全年一次性奖金办法。Compare taxing a year-end bonus alone versus folding it into comprehensive income (illustrative: enter estimated annual taxable income). Alone uses the one-off bonus method.
综合所得年应纳税额（中国）China Annual Comprehensive IIT
由「年应纳税所得额」套用 3%-45% 七级超额累进税率表，计算综合所得年应纳税额（与累计预扣同一税率表）。Annual comprehensive IIT from taxable income using the 3%-45% seven-bracket schedule (same as cumulative withholding).
增值税计算器（13% / 9% / 6%）China VAT Calculator (13% / 9% / 6%)
一般计税：含税价↔不含税价，销项税额。税率可选 13%、9%、6% 或自定义（小规模另有征收率，请自行改税率）。General VAT: tax-inclusive ↔ exclusive price and output VAT. Choose 13%, 9%, 6% or a custom rate (use a reduced collection rate for small-scale taxpayers).
合同印花税计算器（中国）China Contract Stamp Duty Calculator
按计税金额和印花税税率估算应贴印花税。不同合同税目税率不同，请按《印花税法》税目表选择或自定义。Estimate China stamp duty from the taxable amount and rate. Different contract types have different rates - pick a preset or enter a custom rate from the Stamp Duty Law schedule.
工资与通胀计算器（实际购买力）Salary Inflation Calculator
按年通胀率计算工资需要涨到多少才能保持购买力、不涨薪时实际购买力缩水多少，以及新工资扣除通胀后的实际涨幅；也可以用两个时点的物价指数（CPI）代替通胀率。See what a salary must grow to just to keep up with inflation, how much buying power an unchanged salary loses, and the real raise on a new salary after inflation — using a yearly inflation rate or two consumer price index (CPI) readings.
每英里（每公里）用车成本计算器Cost Per Mile Calculator
把油费、保险、注册、折旧、贷款利息、保养等用车费用加总，算出每英里或每公里的实际成本，并与美国国税局（IRS）2026 年标准里程费率对比。Add up fuel, insurance, registration, depreciation, loan interest and maintenance to get what driving really costs per mile or per kilometre, compared with the 2026 IRS standard mileage rate.
只付利息房贷计算器Interest-Only Mortgage Calculator
计算只付利息期内的月供、期满后转为本息还款的月供跳涨，以及总利息，并与同期限普通等额本息房贷对比。Work out the monthly payment during an interest-only period, the jump when it switches to repaying principal, and the total interest — compared with an ordinary fully amortizing loan over the same term.
债券收益率计算器（YTM / 当期收益率）Bond Yield Calculator
由债券价格、面值、票面利率和剩余期限求到期收益率（YTM）和当期收益率；可填写赎回价格和赎回年限求赎回收益率（YTC）。Find a bond's yield to maturity (YTM) and current yield from its price, face value, coupon rate and years to maturity — plus yield to call (YTC) from a call price and date.
债券价格计算器（含久期）Bond Price Calculator
按市场收益率给债券定价：输入面值、票面利率、市场收益率和剩余期限，得出债券价格、溢价/折价、麦考利久期、修正久期和利率上升 1% 时的价格变化估算。Price a bond from its face value, coupon rate, market yield and term, with the premium or discount, Macaulay and modified duration, and the estimated price change for a 1-point rise in yields.
固定资产周转率计算器Fixed Asset Turnover Calculator
固定资产周转率 = 营业收入 ÷ 平均固定资产净值（期初与期末的平均），衡量每 1 元厂房设备带来多少收入；也可以只用期末数。Fixed asset turnover = revenue ÷ average net fixed assets (the mean of the opening and closing figures): how much revenue each dollar of property, plant and equipment brings in. You can also use the closing figure alone.
营业利润率计算器Operating Margin Calculator
营业利润率 = 营业利润 ÷ 营业收入；可直接填营业利润，或由收入、销售成本和营业费用算出，同时给出毛利率和每 1 元收入的成本构成。Operating margin = operating income ÷ revenue. Enter operating income directly or build it from revenue, cost of goods sold and operating expenses, with the gross margin and a cost breakdown per dollar of revenue.
EBITDA 利润率计算器EBITDA Margin Calculator
EBITDA 利润率 = EBITDA ÷ 营业收入；EBITDA 可直接填写，或由营业利润加回折旧和摊销得到，并同时给出营业利润率作对比。EBITDA margin = EBITDA ÷ revenue. Enter EBITDA directly or build it from operating income plus depreciation and amortization, with the operating margin alongside for comparison.
净利率计算器Net Profit Margin Calculator
净利率 = 净利润 ÷ 营业收入；可填写上期数据比较变化（百分点），填写销售成本和营业费用还会给出毛利率和营业利润率，看利润在哪一步被消耗。Net profit margin = net income ÷ revenue. Add last period's figures to see the change in percentage points, and cost of goods sold and operating expenses to see the gross and operating margins and where profit goes.
每股收益（EPS）计算器EPS Calculator
基本每股收益 = (净利润 − 优先股股利) ÷ 加权平均普通股股数；填写潜在稀释股数可得稀释每股收益，填写股价可得市盈率（P/E）和盈利收益率。Basic EPS = (net income − preferred dividends) ÷ weighted average common shares; add potentially dilutive shares for diluted EPS, and a share price for the P/E ratio and earnings yield.
总租金乘数（GRM）计算器Gross Rent Multiplier Calculator
总租金乘数 GRM = 房产价格 ÷ 年总租金，用来快速比较出租房产；也可由 GRM 和租金估算房价，或由房价和 GRM 反推所需租金。Gross rent multiplier GRM = property price ÷ gross yearly rent, a quick way to compare rentals — or estimate a value from a GRM and rent, or the rent needed from a price and GRM.
房贷折扣点数计算器Mortgage Points Calculator
买折扣点（discount points）值不值？输入贷款额、原利率、点数、每点降低的利率和打算持有的年数，算出月供节省、回本月数，以及持有期内扣除买点费用后的净节省（含余额减少）。Are discount points worth it? Enter the loan, the rate without points, the number of points, the rate cut per point and how long you expect to keep the loan to see the monthly saving, break-even month and the net saving over that time after the cost of the points (including the lower balance).
人均营收计算器Revenue Per Employee Calculator
人均营收 = 营业收入 ÷ 员工数（建议用全职当量 FTE，可有小数）；可同时填写净利润得到人均利润，填写人工总成本得到每 1 元人工成本带来的收入。Revenue per employee = revenue ÷ headcount (full-time equivalents are best, decimals allowed). Add net income for profit per employee and total labor cost for the revenue earned per dollar of labor.
股利折现模型（DDM）计算器Dividend Discount Model Calculator
用戈登增长模型（股利固定增长）或两阶段模型（先高速增长若干年，再永续稳定增长）估算股票内在价值，并与当前股价比较。Estimate a stock's intrinsic value with the Gordon growth model (constant dividend growth) or a two-stage model (fast growth for some years, then steady growth forever), and compare it with the share price.
房贷方案对比计算器Mortgage Comparison Calculator
比较同一套房子的两个房贷方案（首付比例、利率、期限、交易费用和 PMI），按你打算持有的年数算出期间已付利息、PMI、费用合计和剩余本金，看哪个方案在持有期内更省钱。Compare two mortgage options on the same home — down payment, rate, term, closing costs and PMI — over the years you expect to keep it: interest, PMI and fees paid, and the balance left, to see which costs less while you own it.
里程报销计算器Mileage Reimbursement Calculator
按美国国税局（IRS）标准里程费率计算报销或扣除金额：2026 年上半年、下半年和 2025 年的商务、医疗/搬家和慈善费率，也可用自定义费率；支持往返和多次出行。Work out mileage reimbursement or deductions at the IRS standard mileage rates — business, medical/moving and charity for the first and second half of 2026 and for 2025 — or a custom rate, with round trips and repeat trips.
美国联邦遗产税计算器Estate Tax Calculator
估算美国联邦遗产税：总遗产减去债务和费用、慈善及配偶扣除，加上历年应税赠与，按国内税收法典 §2001(c) 税率表计算，再扣除免税额（2026 年 1,500 万美元，可加配偶未用免税额 DSUE）。不含州遗产税。Estimate US federal estate tax: the gross estate less debts and expenses, charitable and marital deductions, plus lifetime taxable gifts, taxed on the IRC §2001(c) rate schedule and reduced by the exclusion ($15,000,000 in 2026, plus any deceased spouse's unused exclusion, DSUE). State estate taxes are not included.
可负担房租计算器Rent Calculator
根据收入算出能负担多少房租：30% 收入法则、房东常用的「年收入 ≥ 40 倍月租」标准，以及计入其他月债务后的 36% 债务收入比（DTI）上限，取三者中最低值作为建议上限。Find how much rent you can afford: the 30%-of-income rule, the landlord's common income-at-least-40×-the-rent test and a 36% debt-to-income limit after your other monthly debts, with the lowest of the three as the suggested maximum.
Black-Scholes 期权定价计算器Black-Scholes Option Pricing Calculator
用 Black-Scholes-Merton 模型计算欧式看涨和看跌期权的理论价格，并给出 d₁、d₂ 及希腊字母 Delta、Gamma、Vega、Theta、Rho；支持连续股息率，并用看涨–看跌平价验算。Price European call and put options with the Black-Scholes-Merton model, with d₁, d₂ and the Greeks Delta, Gamma, Vega, Theta and Rho. A continuous dividend yield is supported, and put–call parity is checked.
夏普比率计算器Sharpe Ratio Calculator
用 (组合收益率 − 无风险利率) ÷ 收益率标准差 计算夏普比率；可以直接输入年化收益和波动率，也可以粘贴每期收益率序列，自动年化后再计算。Work out the Sharpe ratio = (portfolio return − risk-free rate) ÷ standard deviation of returns — either from an annual return and volatility, or from a list of periodic returns that is annualised for you.
CAPM 资本资产定价模型计算器CAPM Calculator
按资本资产定价模型 E(R) = Rf + β × (Rm − Rf) 计算资产的预期收益率（要求回报率），给出市场风险溢价和资产风险溢价；填写实际收益率时还能算出詹森 Alpha。Find an asset's expected (required) return with the capital asset pricing model E(R) = Rf + β × (Rm − Rf), along with the market and asset risk premiums — and Jensen's alpha if you enter the actual return.
基金费用率计算器Expense Ratio Calculator
估算基金管理费率（费用率）多年下来吃掉多少收益：输入投资额、年化收益率、费用率和年数，给出期末价值、累计费用成本和首年费用，并可与另一只低费率基金对比。See how much a fund's expense ratio costs you over time: enter the amount, annual return, expense ratio and years to get the final value, the total cost of fees and the first-year fee — and compare with a lower-cost fund.
枢轴点（支撑阻力位）计算器Pivot Point Calculator
用上一周期的最高价、最低价和收盘价，按经典（Floor）、斐波那契、伍迪（Woodie）和卡玛利拉（Camarilla）四种方法计算枢轴点 P 及支撑位 S1–S3、阻力位 R1–R3（卡玛利拉含 R4/S4）。Use the previous period's high, low and close to calculate the pivot point P with support levels S1–S3 and resistance levels R1–R3 by the Classic (floor), Fibonacci, Woodie and Camarilla methods (Camarilla adds R4/S4).
远期利率计算器Forward Rate Calculator
由两个不同期限的即期利率（如 1 年期和 2 年期）推算两者之间的隐含远期利率，支持年复利、连续复利和单利三种口径，并给出验证。Derive the implied forward rate between two maturities from their spot rates (for example the 1-year and 2-year rates), with annual compounding, continuous compounding or simple interest, and a check.
定期存款计算器Fixed Deposit Calculator
输入本金、年利率和存期（年 + 月），按单利或按季、按月、按半年、按年复利计算到期金额、利息和实际年收益率。Enter the principal, annual interest rate and term (years plus months) to get the maturity amount, interest earned and effective annual yield, with simple interest or quarterly, monthly, half-yearly or yearly compounding.
美国退伍军人（VA）伤残评级与补偿计算器VA Disability Calculator
按 VA 联合评级表（38 CFR 4.25）把多项伤残评级合并为总评级，支持双侧因子（38 CFR 4.26），再按 2025 年 12 月 1 日起生效的 VA 补偿标准估算每月补偿金额（含配偶、子女、父母和配偶护理津贴）。Combine multiple VA disability ratings into your overall rating with the VA combined ratings table (38 CFR 4.25), including the bilateral factor (38 CFR 4.26), then estimate your monthly compensation from the VA rates effective December 1, 2025 — with spouse, children, parents and spouse Aid and Attendance.
HRA 房租津贴免税额计算器（印度）HRA Exemption Calculator (India)
按印度所得税规则计算房租津贴（HRA）免税额：取实际 HRA、房租减工资 10%、工资的 50%/40% 三者中最小值。2026–27 税年起按《2026 年所得税规则》第 279 条，50% 城市扩大到 8 个；也可按旧规则（2025–26 及以前）计算。Work out the exempt part of your House Rent Allowance under Indian income-tax rules: the least of actual HRA, rent paid minus 10% of salary, and 50% or 40% of salary. From tax year 2026–27, Rule 279 of the Income-tax Rules, 2026 extends the 50% rate to eight cities; the older rule (2025–26 and earlier) is also available.
天课（Zakat）计算器Zakat Calculator
汇总现金、黄金、白银、投资、应收款和商品存货，减去即将到期的债务，与按黄金 85 克或白银 595 克计算的门槛（Nisab）比较；达到门槛并持有满一个伊斯兰历年时，按 2.5% 计算应缴天课。Add up cash, gold, silver, investments, money owed to you and business stock, subtract debts now due, and compare with the nisab threshold of 85 g of gold or 595 g of silver. If you're at or above it for a full lunar year, zakat is 2.5%.
买车预算计算器Car Affordability Calculator
按收入用 20/4/10 原则（首付 20%、贷款 4 年、每月用车总支出不超过月收入 10%）估算买得起多贵的车，或按每月可承受的还款额、首付、利率和期限反推车价。Estimate how much car you can afford — from your income with the 20/4/10 rule (20% down, a 4-year loan, total monthly car costs within 10% of gross monthly income), or from the monthly payment, down payment, rate and term you can manage.
自雇税计算器（美国 2026）Self-Employment Tax Calculator (US 2026)
按美国 2026 税年计算自雇税（SE tax）：应税额为净利润的 92.35%，社会保障税 12.4%（2026 年上限 184,500 美元）+ 医疗保险税 2.9%（无上限）= 15.3%；已缴 W-2 社保工资会抵减社保上限；并给出可抵扣的一半自雇税。仅供估算，正式申报请以 Schedule SE 为准。Estimate US self-employment (SE) tax for tax year 2026: the taxable base is 92.35% of net profit, with 12.4% Social Security (2026 cap $184,500) plus 2.9% Medicare (no cap) = 15.3%; W-2 Social Security wages already taxed reduce the remaining cap. Also shows the deductible one-half of SE tax. An estimate only — file using Schedule SE.
贷款提前还款计算器Loan Prepayment Calculator
计算每月额外还款能节省的利息与提前还清月数。本地处理。可设置「贷款本金」、「年利率 %」、「原年限」、「每月额外还款」。See interest saved and months gained from an extra monthly payment. Processed locally. Settings: Principal, Annual rate %, Original years, Extra monthly.
车贷 EMI 计算器Car Loan EMI Calculator
按本金、年利率与期数计算车贷等额本息月供。本地处理。可设置「贷款金额」、「年利率 %」、「期数（月）」。Car-loan EMI from principal, rate and term (level payment). Processed locally. Settings: Loan amount, Annual rate %, Term (months).
房贷 EMI 计算器Home Loan EMI Calculator
按房价、首付、年利率与年限计算房贷月供。本地处理。可设置「房价」、「首付 %」、「年利率 %」、「年限」。Home-loan EMI from price, down payment, rate and years. Processed locally. Settings: Home price, Down payment %, Annual rate %, Years.
双周房贷计算器Biweekly Mortgage Calculator
比较每月还款与双周还款（每两周付月供的一半）的总利息、期数和节省的时间。按分精确计算。本地处理。Compare monthly vs biweekly mortgage payments (half the monthly payment every two weeks): total interest, number of payments and time saved. Cent-exact. Processed locally.
年收入计算器Annual Income Calculator
由时薪 / 日薪 / 月薪估算年收入。本地处理。可设置「按」、「金额」、「每周工时」、「每年工作日」。Estimate annual income from hourly, daily or monthly pay. Processed locally. Settings: From, Amount, Hours / week, Workdays / year.
双周薪资计算器Biweekly Pay Calculator
由年薪或月薪估算每期税前毛薪：每周（52 期）、双周（26 期）、半月（24 期）和每月（12 期）。本地处理。Estimate gross (pre-tax) pay per period from an annual or monthly salary: weekly (52), biweekly (26), semi-monthly (24) and monthly (12). Processed locally.
奖金计算器Bonus Calculator
按底薪与奖金比例（或固定额）估算总包，可选按预扣比例估算奖金预扣与到手金额。本地处理。Estimate total pay from base salary plus a bonus % or flat amount, with an optional withholding % to estimate the bonus after withholding. Processed locally.
房贷利息计算器Mortgage Interest Calculator
按分精确计算等额本息房贷的月供、总利息和最后一期。本地处理。可设置「本金」、「年利率 %」、「年限」。Cent-exact monthly payment, total interest and final payment for a level-payment mortgage. Processed locally. Settings: Principal, Annual rate %, Years.
房贷提前还款计算器Extra Payment Mortgage Calculator
每月额外还款对利息与年限的影响。本地处理。可设置「本金」、「年利率 %」、「原年限」、「每月额外」。Effect of an extra monthly payment on interest and term. Processed locally. Settings: Principal, Annual rate %, Original years, Extra monthly.
加密货币盈亏计算器Crypto Profit Calculator
按买入/卖出价、数量和可选手续费（比例或固定额）估算盈亏与收益率。本地处理。可设置「数量」、「买入价」、「卖出价」、「手续费」、「买入手续费」。Estimate profit/loss and return from buy/sell price, quantity and optional fees (percentage or fixed). Processed locally. Settings: Quantity, Buy price, Sell price, Fees, Buy fee.
资本利得税估算（通用统一税率）Capital Gains Tax Estimator (generic flat rate)
通用统一税率估算：利得 × 你填写的税率。不含任何国家/地区的税级、持有期或免税额规则；亏损时显示资本损失、税额为 0。本地处理。Generic flat-rate estimator: gain × the rate you enter. It contains no country or state brackets, holding-period or allowance rules; a loss is shown as a capital loss with no tax. Processed locally.
退税估算器Tax Refund Calculator
由已缴税额与应纳税额估算退税或补税。本地处理。可设置「已缴税额」、「应纳税额」。Estimate refund or amount due from tax paid vs tax owed. Processed locally. Settings: Tax paid, Tax owed.
美国子女税收抵免计算器（CTC）US Child Tax Credit Calculator (CTC)
按 IRS Schedule 8812 估算美国联邦子女税收抵免（CTC）、其他受抚养人抵免（ODC）和可退还的 ACTC，支持 2024、2025、2026 税年。估算，非税务建议。本地处理。Estimate the US federal Child Tax Credit (CTC), Credit for Other Dependents (ODC) and refundable Additional Child Tax Credit (ACTC) following IRS Schedule 8812, for tax years 2024, 2025 and 2026. Estimate, not tax advice. Processed locally.
余额转账计算器Balance Transfer Calculator
计算余额转账手续费、推广期和推广期后的利息，以及按月还款的还清时间和逐月还款表。本地处理。Work out the balance-transfer fee, interest during and after the promo period, and how long monthly payments take to clear the balance, with a month-by-month schedule. Processed locally.
获客成本 CACCAC Calculator
营销支出 ÷ 新客户数 = 获客成本。本地处理。可设置「营销支出」、「新客户数」。Marketing spend ÷ new customers = CAC. Processed locally. Settings: Marketing spend, New customers.
烧钱率计算器Burn Rate Calculator
由期初/期末现金与月数估算月烧钱率与跑道；现金增加时显示正向净现金流。本地处理。Estimate monthly burn and runway from starting/ending cash and months; when cash grows it shows the positive net cash flow instead. Processed locally.
员工成本计算器Employee Cost Calculator
年薪 + 你设定的税费/福利加成比例（可修改的假设值）估算雇主总成本。本地处理。Estimate employer total cost from salary plus a tax/benefit load % that you set (an editable assumption). Processed locally.
生产率计算器Productivity Calculator
产出 ÷ 投入工时 = 每小时产出。本地处理。可设置「产出（件 / 金额）」、「投入工时」。Output ÷ hours worked = output per hour. Processed locally. Settings: Output (units or $), Hours worked.
收入计算器Revenue Calculator
单价 × 销量 = 收入。本地处理。可设置「单价」、「销量」。Price × units = revenue. Processed locally. Settings: Unit price, Units sold.
收入增长率计算器Revenue Growth Calculator
由上期与本期收入计算增长率和变化额；填写期数（年数）时同时给出复合年增长率 CAGR。本地处理。Growth rate and change from prior to current revenue; enter the number of periods (years) to also get the compound annual growth rate (CAGR). Processed locally.
贷款还清计算器Loan Payoff Calculator
按余额、年利率和固定月供，逐月计算还清所需月数、总利息和最后一期金额；月供不足以覆盖利息时会提示永远还不清。本地处理。Months to pay off, total interest and the final payment for a balance at a fixed monthly payment, worked month by month; warns when the payment never covers the interest. Processed locally.
阿拉巴马州所得税计算器（2025）Alabama Income Tax Calculator (2025)
按 Alabama 2025 税年 Form 40 规则计算州个人所得税：按申报身份的 2% / 4% / 5% 税档、随收入递减的标准扣除、个人与受抚养人免税额，并可扣除已缴联邦所得税；显示边际与实际税率。只算州税。本地处理。Alabama state income tax for tax year 2025 under the Form 40 rules: 2% / 4% / 5% brackets by filing status, the income-based standard deduction, personal and dependent exemptions, and the deduction for federal income tax paid; shows marginal and effective rates. State tax only. Processed locally.
加州所得税计算器（2025）California Income Tax Calculator (2025)
按 FTB 2025 税年税率表计算加州个人所得税：1%–12.3% 九档、标准扣除、个人和受抚养人免税额抵免（含高收入递减），以及应税收入超过 100 万美元部分的 1% 心理健康服务税；显示边际与实际税率。只算州税。本地处理。California personal income tax for tax year 2025 from the FTB rate schedules: nine brackets from 1% to 12.3%, the standard deduction, personal and dependent exemption credits (with the high-income phase-out) and the 1% Mental Health Services Tax on taxable income above $1 million; shows marginal and effective rates. State tax only. Processed locally.
伊利诺伊州所得税计算器（2025）Illinois Income Tax Calculator (2025)
按 Illinois 2025 税年 IL-1040 规则计算州个人所得税：统一税率 4.95%，个人和受抚养人免税额每人 $2,850（高收入不能享受），65 岁以上 / 失明每项 $1,000；也可在高级选项里用自定义税率。只算州税。本地处理。Illinois state income tax for tax year 2025 under the IL-1040 rules: flat 4.95% rate, a $2,850 exemption per person and dependent (not allowed at high incomes) and $1,000 for each 65+ / blind box; an advanced option lets you use a custom rate. State tax only. Processed locally.
纽约州所得税计算器（2025）New York Income Tax Calculator (2025)
按 NY IT-201 2025 税年规则计算纽约州个人所得税：4%–10.9% 税档、标准扣除、受抚养人免税额，以及 AGI 超过 $107,650 时的税收优惠回收（tax computation 工作表）；可选纽约市居民税。显示边际与实际税率。本地处理。New York State personal income tax for tax year 2025 under the IT-201 rules: 4%–10.9% brackets, the standard deduction, dependent exemptions and the benefit recapture worksheets for AGI above $107,650; optional New York City resident tax. Shows marginal and effective rates. Processed locally.
德克萨斯州税计算器（无州个税 + 销售税）Texas Tax Calculator (no income tax + sales tax)
Texas 不征收州个人所得税；本页说明这一点，并可按州税 6.25% 加地方税（合计最高 8.25%）估算销售税。本地处理。Texas has no state personal income tax; this page explains that and estimates sales tax at the 6.25% state rate plus local tax (8.25% combined at most). Processed locally.
周薪计算器（时薪 / 加班 / 年薪换算）Weekly Pay Calculator (hourly, overtime, salary)
按时薪与每周工时（超过 40 小时按 1.5 倍加班，可选双倍工时）或按年薪 / 月薪 / 双周薪 / 半月薪计算税前周薪，并换算成年、月、双周、半月和等效时薪。本地处理。Weekly gross pay from an hourly rate and weekly hours (1.5× overtime above 40 hours, optional double time) or from an annual / monthly / biweekly / semi-monthly salary, converted to annual, monthly, biweekly, semi-monthly and equivalent hourly pay. Processed locally.
需求收入弹性Income Elasticity of Demand
Ey = (%ΔQ) / (%ΔI)。本地处理。可设置「需求变化 %」、「收入变化 %」。Ey = (%ΔQ) / (%ΔI). Processed locally. Settings: Qty change %, Income change %.
失业率Unemployment Rate Calculator
失业率 = 失业人数 ÷ 劳动力 × 100%。本地处理。可设置「失业人数」、「劳动力」。Unemployment rate = unemployed ÷ labor force × 100%. Processed locally. Settings: Unemployed, Labor force.
消费者剩余与生产者剩余（线性需求与供给）Consumer & Producer Surplus Calculator (Linear Demand & Supply)
按线性需求 P = a − bQ 计算消费者剩余；填写线性供给 P = c + dQ 时求出均衡价格和数量，并给出生产者剩余与总剩余。也可以直接输入最高愿付价格、市场价格和数量。本地处理。Consumer surplus for a linear demand curve P = a − bQ; with a linear supply curve P = c + dQ it finds the equilibrium price and quantity and also gives producer and total surplus. You can also enter the maximum willingness to pay, the market price and the quantity directly. Processed locally.
调整后总收入（AGI）计算器（2025 年度）AGI Calculator (Adjusted Gross Income, tax year 2025)
按 2025 年度美国联邦税表 Schedule 1 第二部分计算 AGI：总收入（工资、经营损益、资本利得或损失、其他收入）减去“线上”调整项，包括教师支出、HSA、自雇税的一半、自雇退休计划、自雇健康保险、传统 IRA、学生贷款利息（含 MAGI 逐步取消）和 2019 年前协议的赡养费。限额来自 IRS 2025 年出版物。本地处理，仅供估算。AGI for US federal tax year 2025 following Schedule 1, Part II: total income (wages, business profit or loss, capital gain or loss, other income) minus above-the-line adjustments: educator expenses, HSA, half of self-employment tax, self-employed retirement plans, self-employed health insurance, traditional IRA, student loan interest (with the MAGI phase-out) and alimony under pre-2019 agreements. Limits come from IRS 2025 publications. Processed locally; an estimate only.
人工成本Labor Cost Calculator
人数 × 时薪 × 小时。本地处理。可设置「人数」、「时薪」、「小时」。Workers × hourly rate × hours. Processed locally. Settings: Workers, Hourly rate, Hours.
婚礼预算Wedding Budget Calculator
各项相加得总预算。本地处理。可设置「场地」、「餐饮」、「摄影」、「其他」。Sum line items into a total budget. Processed locally. Settings: Venue, Food, Photo, Other.
油费计算器（公制或美制、往返、分摊）Gas Cost Calculator (Metric or US, Round Trip, Split)
按距离、油耗和油价算一次行程的油量和费用，支持公里与 L/100km 或英里与 mpg，可选往返并按人数分摊，同时给出每公里（英里）费用和两种油耗单位的换算。本地处理。Work out the fuel and cost of a trip from the distance, fuel economy and fuel price, in km with L/100 km or miles with mpg, optionally as a round trip and split between people, with the cost per km (mile) and the economy in the other unit. Processed locally.
电动车充电费用计算器（电量百分比、损耗、续航）EV Charging Cost Calculator (Battery %, Losses, Range)
按电池容量和充电前后的电量百分比（或直接按充入电量）算充电费用，计入充电损耗（默认效率 90%），可选能耗（kWh/100 km 或 mi/kWh）算出增加的续航和每 100 km（100 英里）的电费。适用于特斯拉和其他电动车。本地处理。Work out the charging cost from the battery capacity and the charge level before and after (or straight from the energy added), including charging losses (90% efficiency by default). Add the consumption (kWh/100 km or mi/kWh) to see the range added and the cost per 100 km (100 miles). Works for Tesla and any other EV. Processed locally.
购买力计算器（通胀调整，CPI 或年通胀率）Buying Power Calculator (Inflation-Adjusted, by CPI or Rate)
计算一笔钱在通胀之后还值多少：可以按年通胀率和年数，也可以用两个年份的 CPI 指数。给出今天的金额在未来相当于多少、未来金额折合今天的购买力、购买力下降幅度和累计通胀。本地处理。See what money is worth after inflation, using an annual rate and number of years or the CPI for two periods. You get the future amount needed to match today, the real value of a future sum in today money, the loss of buying power and the cumulative inflation. Processed locally.
比较优势计算器（机会成本、绝对优势、贸易条件）Comparative Advantage Calculator (Opportunity Cost, Absolute Advantage, Terms of Trade)
输入两个国家（或两个人）生产两种商品的效率，可以是“每件所需工时”或“每小时产量”。计算双方的机会成本，判断谁有绝对优势、谁在哪种商品上有比较优势，以及对双方都有利的贸易条件范围。本地处理。Enter how efficiently two countries (or two people) make two goods, as hours per unit or units per hour. Get each side opportunity costs, who has the absolute advantage, who has the comparative advantage in each good, and the range of terms of trade that benefits both. Processed locally.
需求交叉价格弹性计算器（简单法/中点法）Cross-Price Elasticity of Demand Calculator (Simple or Midpoint)
输入商品 B 价格变化前后的价格和商品 A 的需求量，用简单百分比法或中点（弧弹性）法计算交叉价格弹性，并判断两种商品是替代品、互补品还是基本无关。本地处理。Enter the old and new price of good B and the old and new quantity demanded of good A to get the cross-price elasticity by the simple percentage or midpoint (arc) method, and see whether the goods behave as substitutes, complements or roughly unrelated. Processed locally.
无谓损失计算器（税收、价格上限/下限，线性供需）Deadweight Loss Calculator (Tax, Price Ceiling or Floor, Linear Supply and Demand)
用线性需求 P = a − bQ 和供给 P = c + dQ 求均衡价格和数量，再加入单位税、价格上限或价格下限，算出新的成交量、消费者剩余、生产者剩余、税收收入和无谓损失（三角形面积）。也可以直接用价格差和数量差计算。本地处理。Use linear demand P = a − bQ and supply P = c + dQ to find the equilibrium, then add a per-unit tax, a price ceiling or a price floor to get the new quantity, consumer and producer surplus, tax revenue and deadweight loss (the triangle area). You can also work straight from a price gap and quantity gap. Processed locally.
现金流折现计算器（DCF：NPV、终值、逐年现值）Discounted Cash Flow Calculator (DCF: NPV, Terminal Value, Year-by-Year PV)
输入初始投资、各期现金流和折现率，计算每期现值、现金流现值合计和净现值 (NPV)；可选用戈登永续增长模型加入终值，并给出内部收益率 (IRR) 和折现回收期。本地处理。Enter the initial investment, the cash flow for each period and the discount rate to get the present value of each period, the total PV and the net present value (NPV). Optionally add a terminal value with the Gordon growth model, and see the internal rate of return (IRR) and discounted payback period. Processed locally.
人均 GDP 计算器（单位换算、反算、增长率）GDP Per Capita Calculator (Units, Reverse, Growth)
用 GDP 除以人口求人均 GDP，GDP 可用元、百万、十亿、万亿为单位，人口可用人、万、百万、亿；也可以由人均 GDP 和人口反算 GDP，或由 GDP 增长率和人口增长率求人均 GDP 增长率。本地处理。Divide GDP by population for GDP per capita, with GDP in units, millions, billions or trillions and population in people, ten-thousands, millions or hundred-millions. You can also work back from GDP per capita to GDP, or get per-capita growth from GDP and population growth. Processed locally.
年利率月利率日利率换算（含几分几厘）Annual / Monthly / Daily Interest Rate Converter
年利率、月利率、日利率互相换算，支持民间借贷常说的「月息几分」「年息几厘」「日息万分之几」，同时计算每万元利息，并按 4 倍 LPR 判断民间借贷利率是否受法律保护。Convert between annual, monthly and daily interest rates, including Chinese informal terms like “月息 X 分” and “年息 X 厘”, see the interest per ¥10,000, and check a private-loan rate against China’s 4× LPR legal cap.