📈 到期本息（单利）Maturity Value (simple interest)

使用说明与常见问题How-to & FAQ

「到期本息（单利）」是什么？What is the Maturity Value (simple interest) tool?

到期值 MV = P(1 + r t)，单利示意。本地处理。可设置「本金」、「年利率 %」、「年数」。Maturity value MV = P(1 + r t), simple interest demo. Processed locally. Settings: Principal, Annual rate %, Years.

如何使用「到期本息（单利）」？How do I use the Maturity Value (simple interest) tool?

填写本金、年利率和年数，即可按单利得到到期价值 MV = P(1 + rt)。结果会随输入实时更新。Enter the principal, annual rate and years to get the maturity value with simple interest, MV = P(1 + rt). The result updates as you type.

复利？Compound?

本页单利；日复利见 daily-compound-interest。Simple interest here; see daily-compound-interest for compounding.

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

例如在「到期本息（单利）」中填 本金 = 10000，年利率 % = 6，年数 = 3，结果区显示：到期值：11,800.00；利息：1,800.00For example, entering Principal = 10000, Annual rate % = 6, Years = 3 in the Maturity Value (simple interest) gives: Maturity value: 11,800.00; Interest: 1,800.00

哪些输入会被检查？Which inputs are validated?

「到期本息（单利）」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 Maturity Value (simple interest) checks its inputs — "Principal", "Years": required, must be greater than 0; "Annual rate %": 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?

「到期本息（单利）」的设置：「本金」默认 10000；「年利率 %」默认 6；「年数」默认 3。每次生成结果都按当前设置处理。Settings in the Maturity Value (simple interest) — "Principal" default 10000; "Annual rate %" default 6; "Years" default 3. 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?

「到期本息（单利）」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 Maturity Value (simple interest) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「到期本息（单利）」免费吗？需要注册吗？Is the Maturity Value (simple interest) free? Do I need an account?

「到期本息（单利）」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 Maturity Value (simple 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.