♾️ 永续年金Perpetuity Calculator

使用说明与常见问题How-to & FAQ

「永续年金」是什么？What is the Perpetuity Calculator tool?

PV = C / r。本地处理。可设置「每期现金流」、「折现率 %」。PV = C / r. Processed locally. Settings: Cash flow per period, Discount rate %.

如何使用「永续年金」？How do I use the Perpetuity Calculator tool?

在「永续年金」中，填写「每期现金流」、「折现率 %」等参数，结果会随输入实时计算并显示在下方。In the Perpetuity Calculator: Fill in "Cash flow per period", "Discount rate %"; results are recalculated instantly as you type.

现金流增长时能算吗？Can it handle a growing perpetuity?

不能，本页只算零增长永续年金 PV = C ÷ r。每期按 g 增长的永续年金是 PV = C₁ ÷ (r − g)，要求 r > g，可以用戈登增长模型类工具计算。No, it is a zero-growth perpetuity: PV = C ÷ r. A perpetuity growing at g per period is PV = C₁ ÷ (r − g), needing r > g, as in a Gordon growth tool.

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

例如在「永续年金」中填 每期现金流 = 1000，折现率 % = 5，结果区显示：现值：20,000.00For example, entering Cash flow per period = 1000, Discount rate % = 5 in the Perpetuity Calculator gives: Present value: 20,000.00

哪些输入会被检查？Which inputs are validated?

「永续年金」会检查这些输入——「每期现金流」、「折现率 %」：必须填写，须大于 0；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 Perpetuity Calculator checks its inputs — "Cash flow per period", "Discount rate %": required, must be greater than 0; 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?

「永续年金」的设置：「每期现金流」默认 1000；「折现率 %」默认 5。每次生成结果都按当前设置处理。Settings in the Perpetuity Calculator — "Cash flow per period" default 1000; "Discount rate %" default 5. 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?

「永续年金」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 Perpetuity Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「永续年金」免费吗？需要注册吗？Is the Perpetuity Calculator free? Do I need an account?

「永续年金」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 Perpetuity 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.