% 名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding)
在实际年利率（EAR/APY）和名义年利率（APR）之间换算：r = m·((1 + EAR)^(1/m) - 1)，EAR = (1 + r/m)^m - 1，可选每年复利次数或连续复利，并给出每期利率。本地处理。Convert between the effective annual rate (EAR/APY) and the nominal annual rate (APR): r = m·((1 + EAR)^(1/m) - 1) and EAR = (1 + r/m)^m - 1, for any compounding frequency or continuous compounding, with the rate per period. Processed locally.
使用说明与常见问题How-to & FAQ
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」是什么？What is the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) tool?
在实际年利率（EAR/APY）和名义年利率（APR）之间换算：r = m·((1 + EAR)^(1/m) - 1)，EAR = (1 + r/m)^m - 1，可选每年复利次数或连续复利，并给出每期利率。本地处理。Convert between the effective annual rate (EAR/APY) and the nominal annual rate (APR): r = m·((1 + EAR)^(1/m) - 1) and EAR = (1 + r/m)^m - 1, for any compounding frequency or continuous compounding, with the rate per period. Processed locally.
如何使用「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」？How do I use the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) tool?
在「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」中，填写「已知」、「利率（%）」、「复利频率」等参数，结果会随输入实时计算并显示在下方。In the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding): Fill in "Known", "Rate (%)", "Compounding"; results are recalculated instantly as you type.
名义利率和实际利率有什么区别？What is the difference between nominal and effective rates?
名义利率（APR）没有计入一年内的复利；实际利率（EAR/APY）计入了。年利率 12%、按月复利时，实际年利率是 (1 + 0.01)12 - 1 = 12.68%。The nominal rate (APR) ignores compounding within the year; the effective rate (EAR/APY) includes it. At 12% compounded monthly the effective rate is (1 + 0.01)12 - 1 = 12.68%.
能举个计算实例吗？Can you show a worked example?
例如在「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」中填 方向 = 名义→有效，利率 % = 12，每年复利次数 = 12，结果区显示：有效年利率 %：12.682503For example, entering Direction = Nom→Eff, Rate % = 12, Compounds / year = 12 in the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) gives: Effective annual %: 12.682503
哪些输入会被检查？Which inputs are validated?
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」会检查这些输入——「利率（%）」：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 Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) checks its inputs — "Rate (%)": 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?
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」的设置：「已知」可选 实际年利率 → 名义、名义年利率 → 实际（默认 实际年利率 → 名义）；「利率（%）」默认 12.68；「复利频率」可选 每年、每半年、每季、每月、每周、每天等（默认 每月）。每次生成结果都按当前设置处理。Settings in the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) — "Known": Effective → nominal, Nominal → effective (default Effective → nominal); "Rate (%)" default 12.68; "Compounding": Annually, Semi-annually, Quarterly, Monthly, Weekly, Daily, etc. (default Monthly). 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?
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」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 Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」免费吗？需要注册吗？Is the Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) free? Do I need an account?
「名义利率计算器（实际年利率 ↔ 名义年利率，含连续复利）」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 Nominal Interest Rate Calculator (Effective ↔ Nominal Annual Rate, incl. Continuous Compounding) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.