💰 金融理财Finance （第 5 页）(page 5)
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.
国家育儿补贴计算器China Childcare Subsidy Calculator
按《育儿补贴制度实施方案》计算国家育儿补贴：3 周岁以下婴幼儿每孩每年 3600 元，2025 年前出生的按剩余月数折算。Calculate China’s national childcare subsidy: 3,600 yuan per child per year until age 3, pro-rated by month for children born before 2025.
AA 记账分账（多人聚餐旅行结算）Group Expense Splitter (Who Owes Whom)
多人 AA 记账结算工具：添加成员，逐笔记录谁付了多少钱、哪些人参与分摊（可按份数，如一家三口算 3 份），自动算出每人已付、应摊和差额，并给出最少转账次数的结算方案，一键复制发到群里或导出 Excel。Group expense splitter: add people, record who paid what and who shares each expense (with shares, e.g.