٪ 贴现率示意Discount Rate Calculator
由现价与面值：r = (F/P)^(1/t) - 1。本地处理。可设置「现价」、「未来值 / 面值」、「年数」。From present and face: r = (F/P)^(1/t) - 1. Processed locally. Settings: Present value, Future / face, Years.
使用说明与常见问题How-to & FAQ
「贴现率示意」是什么？What is the Discount Rate Calculator tool?
由现价与面值：r = (F/P)^(1/t) - 1。本地处理。可设置「现价」、「未来值 / 面值」、「年数」。From present and face: r = (F/P)^(1/t) - 1. Processed locally. Settings: Present value, Future / face, Years.
如何使用「贴现率示意」？How do I use the Discount Rate Calculator tool?
在「贴现率示意」中，填写「现价」、「未来值 / 面值」、「年数」等参数，结果会随输入实时计算并显示在下方。In the Discount Rate Calculator: Fill in "Present value", "Future / face", "Years"; results are recalculated instantly as you type.
能用连续复利吗？Can it use continuous compounding?
本页按离散年复利计算：r = (F ÷ P)^(1/t) − 1。连续复利的贴现率是 r = ln(F ÷ P) ÷ t，结果会略低于离散年化值。It uses discrete annual compounding: r = (F ÷ P)^(1/t) − 1. The continuously compounded rate is r = ln(F ÷ P) ÷ t, which is slightly lower.
能举个计算实例吗？Can you show a worked example?
例如在「贴现率示意」中填 现价 = 90，未来值 / 面值 = 100，年数 = 2，结果区显示：年化贴现率 %：5.409255For example, entering Present value = 90, Future / face = 100, Years = 2 in the Discount Rate Calculator gives: Annualised rate %: 5.409255
哪些输入会被检查？Which inputs are validated?
「贴现率示意」会检查这些输入——「现价」、「未来值 / 面值」、「年数」：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 Discount Rate Calculator checks its inputs — "Present value", "Future / face", "Years": required, 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?
「贴现率示意」的设置：「现价」默认 90；「未来值 / 面值」默认 100；「年数」默认 2。每次生成结果都按当前设置处理。Settings in the Discount Rate Calculator — "Present value" default 90; "Future / face" default 100; "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?
「贴现率示意」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 Discount Rate Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「贴现率示意」免费吗？需要注册吗？Is the Discount Rate Calculator free? Do I need an account?
「贴现率示意」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 Discount Rate 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.