🐷 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.
使用说明与常见问题How-to & FAQ
「银行存款利息计算器」是什么？What is the China Bank Deposit Interest Calculator tool?
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.
如何使用「银行存款利息计算器」？How do I use the China Bank Deposit Interest Calculator tool?
在「银行存款利息计算器」中，填写「类型」、「本金（元）」、「年利率 %」、「存期（年）」、「存活期天数」等参数，结果会随输入实时计算并显示在下方。In the China Bank Deposit Interest Calculator: Fill in "Type", "Principal (CNY)", "Annual rate %", "Term (years)", "Demand days"; results are recalculated instantly as you type.
活期按 360 还是 365？360 or 365 days?
国内银行对公/部分产品常用 360 天年；以存单或合同约定为准。Many China bank products use a 360-day year; follow your deposit contract.
计算结果可以作为最终依据吗？Can I rely on the result?
「银行存款利息计算器」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 China Bank Deposit Interest Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「银行存款利息计算器」免费吗？需要注册吗？Is the China Bank Deposit Interest Calculator free? Do I need an account?
「银行存款利息计算器」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 China Bank Deposit Interest Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.