💰 金融理财Finance （第 2 页）(page 2)
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.