📈 持有期收益率Holding Period Return Calculator

使用说明与常见问题How-to & FAQ

「持有期收益率」是什么？What is the Holding Period Return Calculator tool?

HPR = (期末价值 - 期初价值 + 期间收入) / 期初价值；给出持有年数时还会换算年化收益率。本地处理。HPR = (ending value - starting value + income) / starting value; with a holding period in years it also annualises. Processed locally.

如何使用「持有期收益率」？How do I use the Holding Period Return Calculator tool?

填写期初价值、期末价值和期间收入（股息或利息），即可得到持有期收益率；填写持有年数时还会给出年化收益率。结果会随输入实时更新。Enter the starting value, ending value and any income received (dividends or interest) to get the holding period return; add the years held to get the annualised return too. The result updates as you type.

和 CAGR？vs CAGR?

年化后的持有期收益率就是复合年增长率（含收入）。The annualised HPR is the compound annual growth rate including income.

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

例如在「持有期收益率」中填 期初价值 = 100，期末价值 = 120，期间收入（股息/利息） = 5，持有年数（可选） = 2，结果区显示：持有期收益率：25%；收益金额：25.00；年化收益率：11.8%For example, entering Starting value = 100, Ending value = 120, Income (dividends / interest) = 5, Years held (optional) = 2 in the Holding Period Return Calculator gives: Holding period return: 25%; Gain: 25.00; Annualised return: 11.8%

哪些输入会被检查？Which inputs are validated?

「持有期收益率」会检查这些输入——「期初价值」：必须填写，须大于 0；「期末价值」：必须填写，不能为负数；「期间收入（股息/利息）」：必须填写，不能为负数；「持有年数（可选）」：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 Holding Period Return Calculator checks its inputs — "Starting value": required, must be greater than 0; "Ending value": required, cannot be negative; "Income (dividends / interest)": required, cannot be negative; "Years held (optional)": 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?

「持有期收益率」的设置：「期初价值」默认 100；「期末价值」默认 120；「期间收入（股息/利息）」默认 5；「持有年数（可选）」默认 2。每次生成结果都按当前设置处理。Settings in the Holding Period Return Calculator — "Starting value" default 100; "Ending value" default 120; "Income (dividends / interest)" default 5; "Years held (optional)" 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?

「持有期收益率」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 Holding Period Return Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「持有期收益率」免费吗？需要注册吗？Is the Holding Period Return Calculator free? Do I need an account?

「持有期收益率」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 Holding Period Return 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.