📉 净现值计算器（NPV、IRR、获利指数、折现回收期）Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback)
输入初始投资和各期现金流（可每期不同，用空格或换行分隔；只填一个数并填期数则视为每期相同），按折现率算净现值 NPV，同时给出内部收益率 IRR、获利指数和折现回收期。本地处理。Enter the initial investment and the cash flow of each period (different amounts separated by spaces or line breaks, or one amount plus a number of periods for equal flows). Get the net present value at your discount rate, plus the internal rate of return, profitability index and discounted payback period. Processed locally.
使用说明与常见问题How-to & FAQ
「净现值计算器（NPV、IRR、获利指数、折现回收期）」是什么？What is the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) tool?
输入初始投资和各期现金流（可每期不同，用空格或换行分隔；只填一个数并填期数则视为每期相同），按折现率算净现值 NPV，同时给出内部收益率 IRR、获利指数和折现回收期。本地处理。Enter the initial investment and the cash flow of each period (different amounts separated by spaces or line breaks, or one amount plus a number of periods for equal flows). Get the net present value at your discount rate, plus the internal rate of return, profitability index and discounted payback period. Processed locally.
如何使用「净现值计算器（NPV、IRR、获利指数、折现回收期）」？How do I use the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) tool?
在「净现值计算器（NPV、IRR、获利指数、折现回收期）」中，填写「初始投资」、「各期现金流（第 1 期起）」、「期数（只填一个现金流时用，可选）」、「折现率（%/期）」等参数，结果会随输入实时计算并显示在下方。In the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback): Fill in "Initial investment", "Cash flows (from period 1)", "Number of periods (for a single repeated flow, optional)", "Discount rate (% per period)"; results are recalculated instantly as you type.
NPV 怎么计算？How is NPV calculated?
把每期现金流按折现率折回现在再相加，减去初始投资：NPV = -C0 + Σ CFt / (1 + r)t。投资 10,000、三年现金流 3,000、4,000、5,000、折现率 8%：NPV ≈ 176.29。Discount each period cash flow back to today at the rate and add them, then subtract the investment: NPV = -C0 + Σ CFt / (1 + r)t. For 10,000 invested and 3,000, 4,000, 5,000 over three years at 8%: NPV ≈ 176.29.
IRR 和 NPV 有什么关系？How do IRR and NPV relate?
IRR 是使 NPV = 0 的折现率。IRR 高于你的要求回报率时，NPV 为正。The IRR is the discount rate that makes NPV = 0. When the IRR exceeds your required return, the NPV is positive.
能举个计算实例吗？Can you show a worked example?
例如在「净现值计算器（NPV、IRR、获利指数、折现回收期）」中填 初始投资 = 10000，各期现金流（第 1 期起） = 3000，期数（只填一个现金流时用，可选） = 5，折现率（%/期） = 10，结果区显示：净现值 NPV：1,372.36；结论：NPV > 0：按该折现率项目可行For example, entering Initial investment = 10000, Cash flows (from period 1) = 3000, Number of periods (for a single repeated flow, optional) = 5, Discount rate (% per period) = 10 in the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) gives: Net present value (NPV): 1,372.36; Verdict: NPV > 0: worthwhile at this discount rate
哪些输入会被检查？Which inputs are validated?
「净现值计算器（NPV、IRR、获利指数、折现回收期）」会检查这些输入——「初始投资」：必须填写，须不小于 0且不大于 1,000,000,000,000,000；「期数（只填一个现金流时用，可选）」：可留空；填写时须为不小于 1且不大于 1,000的整数；「折现率（%/期）」：必须填写，须不小于 -99且不大于 1,000；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 Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) checks its inputs — "Initial investment": required, must be at least 0 and at most 1,000,000,000,000,000; "Number of periods (for a single repeated flow, optional)": optional; if given it must be at least 1 and at most 1,000 (a whole number); "Discount rate (% per period)": required, must be at least -99 and at most 1,000; 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?
「净现值计算器（NPV、IRR、获利指数、折现回收期）」的设置：「初始投资」默认 10000；「各期现金流（第 1 期起）」默认 3000 4000 5000；「期数（只填一个现金流时用，可选）」可留空；「折现率（%/期）」默认 8。每次生成结果都按当前设置处理。Settings in the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) — "Initial investment" default 10000; "Cash flows (from period 1)" default 3000 4000 5000; "Number of periods (for a single repeated flow, optional)" optional; "Discount rate (% per period)" default 8. 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?
「净现值计算器（NPV、IRR、获利指数、折现回收期）」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 Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「净现值计算器（NPV、IRR、获利指数、折现回收期）」免费吗？需要注册吗？Is the Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) free? Do I need an account?
「净现值计算器（NPV、IRR、获利指数、折现回收期）」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 Net Present Value Calculator (NPV, IRR, Profitability Index, Discounted Payback) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.