⚖️ 机会成本计算器（多选项比较、时间价值、投资回报）Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return)

使用说明与常见问题How-to & FAQ

「机会成本计算器（多选项比较、时间价值、投资回报）」是什么？What is the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) tool?

三种用法：列出几个选项和各自的收益，找出放弃的最佳选项并计算所选选项的机会成本；按时间和每小时价值计算花时间做某件事的机会成本；或计算一笔钱用于消费而不是投资时，按年回报率在若干年后放弃的收益。本地处理。Three uses: list several options with their payoffs to find the best option given up and the opportunity cost of your choice; work out the cost of time from hours spent and the value of an hour; or see the return given up over some years when money is spent instead of invested at an annual rate. Processed locally.

如何使用「机会成本计算器（多选项比较、时间价值、投资回报）」？How do I use the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) tool?

在「机会成本计算器（多选项比较、时间价值、投资回报）」中，填写「用法」、「放弃选项收益」、「所选收益」、「所选选项序号」、「花费小时数」等参数，结果会随输入实时计算并显示在下方。In the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return): Fill in "Use", "Forgone payoff", "Chosen payoff", "Chosen option number", "Hours spent"; results are recalculated instantly as you type.

机会成本是什么？What is opportunity cost?

做出一个选择时，放弃的其他选项中价值最高的那一个。比如选择读研，放弃的最好工作的收入就是读研的机会成本之一。The value of the best alternative you give up when you choose. If you study instead of working, the pay from the best job you turned down is part of the cost of studying.

为什么不把所有放弃的选项加起来？Why not add up every option given up?

因为你一次只能选一个替代方案，即使不做现在的选择，也只能得到其中最好的一个，所以只算最佳替代。You could only ever have taken one alternative, so even without your choice you would get just the best of them. Only the best alternative counts.

投资回报模式怎么算？How does the investment mode work?

按复利计算：未来价值 = 金额 × (1 + 年回报率)^年数，放弃的收益 = 未来价值 − 本金。实际回报有波动，这里只是假设的平均值。With compounding: future value = amount × (1 + annual return)^years, and the return given up = future value − amount. Real returns vary; this uses an assumed average.

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

例如在「机会成本计算器（多选项比较、时间价值、投资回报）」中填 用法 = 两个选项，放弃选项收益 = 1000，所选收益 = 700，结果区显示：机会成本：1,000.00；与所选相比的差额：300.00；结论：放弃的选项收益更高For example, entering Use = Two options, Forgone payoff = 1000, Chosen payoff = 700 in the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) gives: Opportunity cost: 1,000.00; Difference from the choice: 300.00; Verdict: The option given up pays more

哪些输入会被检查？Which inputs are validated?

「机会成本计算器（多选项比较、时间价值、投资回报）」会检查这些输入——「放弃选项收益」、「年数」：所选方式用到时必须填写，不能为负数；「所选收益」：不能为负数；「所选选项序号」：所选方式用到时必须填写，须为 1 到所列选项个数之间的整数；「花费小时数」、「每小时价值」、「金额」：所选方式用到时必须填写，须大于 0；「年回报率 %」：所选方式用到时必须填写；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 Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) checks its inputs — "Forgone payoff", "Years": required when the chosen option uses it, cannot be negative; "Chosen payoff": cannot be negative; "Chosen option number": required when the chosen option uses it, must be a whole number from 1 to the number of options listed; "Hours spent", "Value of an hour", "Amount": required when the chosen option uses it, must be greater than 0; "Annual return %": required when the chosen option uses it; 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?

「机会成本计算器（多选项比较、时间价值、投资回报）」的设置：「用法」可选 两个选项、多个选项、时间成本、投资回报（默认 两个选项）；「放弃选项收益」默认 1000；「所选收益」默认 700；「所选选项序号」默认 2；「花费小时数」默认 10；「每小时价值」默认 30；「金额」默认 10000；「年回报率 %」默认 7；「年数」默认 10。每次生成结果都按当前设置处理。Settings in the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) — "Use": Two options, Several options, Cost of time, Investment return (default Two options); "Forgone payoff" default 1000; "Chosen payoff" default 700; "Chosen option number" default 2; "Hours spent" default 10; "Value of an hour" default 30; "Amount" default 10000; "Annual return %" default 7; "Years" default 10. 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?

「机会成本计算器（多选项比较、时间价值、投资回报）」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 Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「机会成本计算器（多选项比较、时间价值、投资回报）」免费吗？需要注册吗？Is the Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) free? Do I need an account?

「机会成本计算器（多选项比较、时间价值、投资回报）」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 Opportunity Cost Calculator (Compare Options, Value of Time, Investment Return) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.