💰 金融理财Finance （第 4 页）(page 4)
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
按成交价、购房情形和面积计算应缴契税。按 2024 年第 16 号公告：家庭唯一住房 140㎡ 及以下 1%、以上 1.5%；第二套 140㎡ 及以下 1%、以上 2%；其他情形按当地税率（3%–5%）。Calculate China deed tax from the price, home status and floor area. Per 2024 Announcement No. 16: only home ≤140 m² 1%, above 1.5%; second home ≤140 m² 1%, above 2%; other cases use the local rate (3%-5%).
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.