💳 信用卡财务费用（平均日余额法）Finance Charge Calculator
财务费用 = 平均日余额 × 年利率 ÷ 365 × 账单天数（平均日余额法，最常见的信用卡算法）。本地处理。Finance charge = average daily balance × APR ÷ 365 × days in the billing cycle (the average daily balance method most cards use). Processed locally.
使用说明与常见问题How-to & FAQ
「信用卡财务费用（平均日余额法）」是什么？What is the Finance Charge Calculator tool?
财务费用 = 平均日余额 × 年利率 ÷ 365 × 账单天数（平均日余额法，最常见的信用卡算法）。本地处理。Finance charge = average daily balance × APR ÷ 365 × days in the billing cycle (the average daily balance method most cards use). Processed locally.
如何使用「信用卡财务费用（平均日余额法）」？How do I use the Finance Charge Calculator tool?
在「信用卡财务费用（平均日余额法）」中，填写「平均日余额」、「年利率 %」、「账单周期天数」等参数，结果会随输入实时计算并显示在下方。In the Finance Charge Calculator: Fill in "Average daily balance", "APR %", "Days in billing cycle"; results are recalculated instantly as you type.
怎么避免？How to avoid it?
每期在到期日前全额还款，通常就享受免息期、不产生财务费用。Pay the full statement balance by the due date to keep the grace period.
能举个计算实例吗？Can you show a worked example?
例如在「信用卡财务费用（平均日余额法）」中填 平均日余额 = 1000，年利率 % = 18，账单周期天数 = 30，结果区显示：财务费用：14.79；日利率：0.04932%；年化估算：180.00For example, entering Average daily balance = 1000, APR % = 18, Days in billing cycle = 30 in the Finance Charge Calculator gives: Finance charge: 14.79; Daily rate: 0.04932%; Over a year: 180.00
哪些输入会被检查？Which inputs are validated?
「信用卡财务费用（平均日余额法）」会检查这些输入——「平均日余额」、「年利率 %」：必须填写，不能为负数；「账单周期天数」：必须填写，不能为负数，须为整数；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 Finance Charge Calculator checks its inputs — "Average daily balance", "APR %": required, cannot be negative; "Days in billing cycle": required, cannot be negative, must be a whole number; 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?
「信用卡财务费用（平均日余额法）」的设置：「平均日余额」默认 1000；「年利率 %」默认 18；「账单周期天数」默认 30。每次生成结果都按当前设置处理。Settings in the Finance Charge Calculator — "Average daily balance" default 1000; "APR %" default 18; "Days in billing cycle" default 30. 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?
「信用卡财务费用（平均日余额法）」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 Finance Charge Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「信用卡财务费用（平均日余额法）」免费吗？需要注册吗？Is the Finance Charge Calculator free? Do I need an account?
「信用卡财务费用（平均日余额法）」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 Finance Charge 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.