📈 日复利示意Daily Compound Interest

使用说明与常见问题How-to & FAQ

「日复利示意」是什么？What is the Daily Compound Interest tool?

A = P (1+r/365)^(365 t)。本地处理。可设置「本金」、「年利率 %」、「年数」。A = P (1+r/365)^(365 t). Processed locally. Settings: Principal, APR %, Years.

如何使用「日复利示意」？How do I use the Daily Compound Interest tool?

在「日复利示意」中，填写「本金」、「年利率 %」、「年数」等参数，结果会随输入实时计算并显示在下方。In the Daily Compound Interest: Fill in "Principal", "APR %", "Years"; results are recalculated instantly as you type.

和银行实际计算一样吗？Does it match what my bank calculates?

不一定。本页用 A = P(1 + r/365)^(365t)。银行可能按 360 天计息、按实际天数计息或按月入账，日计数惯例因产品而异，结果会略有差别，请以合同为准。Not necessarily. This page uses A = P(1 + r/365)^(365t). Banks may use a 360-day year, actual days, or monthly crediting; day-count conventions vary by product, so results can differ slightly. Your contract terms decide.

能举个计算实例吗？Can you show a worked example?

例如在「日复利示意」中填 本金 = 10000，年利率 % = 5，年数 = 2，结果区显示：终值：11,051.63；利息：1,051.63For example, entering Principal = 10000, APR % = 5, Years = 2 in the Daily Compound Interest gives: Future value: 11,051.63; Interest: 1,051.63

哪些输入会被检查？Which inputs are validated?

「日复利示意」会检查这些输入——「本金」、「年数」：必须填写，须大于 0；「年利率 %」：必须填写，不能为负数；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 Daily Compound Interest checks its inputs — "Principal", "Years": required, must be greater than 0; "APR %": required, cannot be negative; 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?

「日复利示意」的设置：「本金」默认 10000；「年利率 %」默认 5；「年数」默认 2。每次生成结果都按当前设置处理。Settings in the Daily Compound Interest — "Principal" default 10000; "APR %" default 5; "Years" default 2. 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?

「日复利示意」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 Daily Compound Interest uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「日复利示意」免费吗？需要注册吗？Is the Daily Compound Interest free? Do I need an account?

「日复利示意」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 Daily Compound Interest is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.