🛒 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.
使用说明与常见问题How-to & FAQ
「购买力计算器（通胀调整，CPI 或年通胀率）」是什么？What is the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) tool?
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.
如何使用「购买力计算器（通胀调整，CPI 或年通胀率）」？How do I use the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) tool?
在「购买力计算器（通胀调整，CPI 或年通胀率）」中，填写「方法」、「金额」、「年通胀率 %」、「年数」、「起始 CPI」等参数，结果会随输入实时计算并显示在下方。In the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate): Fill in "Method", "Amount", "Annual inflation %", "Years", "Starting CPI"; results are recalculated instantly as you type.
怎么计算？How is it calculated?
按年通胀率时，物价倍数 = (1 + 通胀率)^年数；按 CPI 时，倍数 = 结束 CPI ÷ 起始 CPI。今天的金额乘以倍数是未来需要的金额，未来金额除以倍数是折合今天的购买力。With a rate, the price factor is (1 + rate)^years; with CPI it is ending CPI / starting CPI. Multiply today money by the factor for the amount needed later, or divide a future sum by it for its value in today money.
CPI 从哪里查？Where do I find the CPI?
可以在各国统计机构网站查询，例如美国劳工统计局 (BLS)、中国国家统计局。两个 CPI 必须来自同一个序列和基期。National statistics offices publish it, for example the US Bureau of Labor Statistics. Both figures must come from the same series and base year.
物价翻倍要多久？How long until prices double?
在固定通胀率 r 下约为 ln 2 ÷ ln(1 + r)，例如 3 % 时约 23.4 年。常用的“72 法则”是 72 ÷ 通胀率百分数，结果接近。At a steady rate r it takes about ln 2 / ln(1 + r) years, for example about 23.4 years at 3 %. The rule of 72 (72 / rate in percent) gives a close answer.
能举个计算实例吗？Can you show a worked example?
例如在「购买力计算器（通胀调整，CPI 或年通胀率）」中填 方法 = 年通胀率，金额 = 50000，年通胀率 % = 3，年数 = 10，结果区显示：累计通胀：34.39 %；要保持同样购买力需要：67,195.82；这笔钱折合起点的购买力：37,204.70；购买力变化：-25.59 %；购买力减半约需：23.4 年；ℹ 按复利计算通胀；实际个人开支的涨幅可能与官方 CPI 不同。For example, entering Method = Annual inflation rate, Amount = 50000, Annual inflation % = 3, Years = 10 in the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) gives: Cumulative inflation: 34.39 %; Needed later to keep the same buying power: 67,195.82; Real value of this sum in starting money: 37,204.70; Change in buying power: -25.59 %; Years for prices to double: 23.4 years; ℹ Inflation compounds yearly; your own costs…
哪些输入会被检查？Which inputs are validated?
「购买力计算器（通胀调整，CPI 或年通胀率）」会检查这些输入——「金额」：必须填写，须大于 0；「年通胀率 %」：所选方式用到时必须填写；「年数」：所选方式用到时必须填写，不能为负数；「起始 CPI」、「结束 CPI」：所选方式用到时必须填写，须大于 0；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) checks its inputs — "Amount": required, must be greater than 0; "Annual inflation %": required when the chosen option uses it; "Years": required when the chosen option uses it, cannot be negative; "Starting CPI", "Ending CPI": required when the chosen option uses it, must be greater than 0; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「购买力计算器（通胀调整，CPI 或年通胀率）」的设置：「方法」可选 年通胀率、CPI 指数（默认 年通胀率）；「金额」默认 50000；「年通胀率 %」默认 3；「年数」默认 10；「起始 CPI」默认 100；「结束 CPI」默认 134.39。每次生成结果都按当前设置处理。Settings in the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) — "Method": Annual inflation rate, CPI index (default Annual inflation rate); "Amount" default 50000; "Annual inflation %" default 3; "Years" default 10; "Starting CPI" default 100; "Ending CPI" default 134.39. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「购买力计算器（通胀调整，CPI 或年通胀率）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「购买力计算器（通胀调整，CPI 或年通胀率）」免费吗？需要注册吗？Is the Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) free? Do I need an account?
「购买力计算器（通胀调整，CPI 或年通胀率）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Buying Power Calculator (Inflation-Adjusted, by CPI or Rate) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.