📊 有效年利率 EAREffective Annual Rate
EAR = (1 + r/m)^m - 1。本地处理。可设置「名义年利率 %」、「年复利次数」。EAR = (1 + r/m)^m - 1. Processed locally. Settings: Nominal APR %, Compounds / year.
使用说明与常见问题How-to & FAQ
「有效年利率 EAR」是什么？What is the Effective Annual Rate tool?
EAR = (1 + r/m)^m - 1。本地处理。可设置「名义年利率 %」、「年复利次数」。EAR = (1 + r/m)^m - 1. Processed locally. Settings: Nominal APR %, Compounds / year.
如何使用「有效年利率 EAR」？How do I use the Effective Annual Rate tool?
在「有效年利率 EAR」中，填写「名义年利率 %」、「年复利次数」等参数，结果会随输入实时计算并显示在下方。In the Effective Annual Rate: Fill in "Nominal APR %", "Compounds / year"; results are recalculated instantly as you type.
连续？Continuous?
连续复利 e^r-1 未列入。Continuous e^r-1 not included.
复利次数范围？Compounds range?
年复利次数须为 1–365 的整数（例如月复利填 12）。Compounds per year must be a whole number from 1 to 365 (e.g. 12 for monthly).
能举个计算实例吗？Can you show a worked example?
例如在「有效年利率 EAR」中填 名义年利率 % = 12，年复利次数 = 12，结果区显示：EAR %：12.682503For example, entering Nominal APR % = 12, Compounds / year = 12 in the Effective Annual Rate gives: EAR %: 12.682503
哪些输入会被检查？Which inputs are validated?
「有效年利率 EAR」会检查这些输入——「名义年利率 %」、「年复利次数」：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 Effective Annual Rate checks its inputs — "Nominal APR %", "Compounds / year": 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?
「有效年利率 EAR」的设置：「名义年利率 %」默认 12；「年复利次数」默认 12。每次生成结果都按当前设置处理。Settings in the Effective Annual Rate — "Nominal APR %" default 12; "Compounds / year" default 12. 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?
「有效年利率 EAR」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 Effective Annual Rate uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「有效年利率 EAR」免费吗？需要注册吗？Is the Effective Annual Rate free? Do I need an account?
「有效年利率 EAR」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 Effective Annual 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.