📊 实际收益率（扣除通胀）Real Rate of Return Calculator
实际收益率 = (1 + 名义收益率) / (1 + 通胀率) - 1（费雪方程），并给出简单近似值"名义 - 通胀"。本地处理。Real return = (1 + nominal) / (1 + inflation) - 1 (the Fisher equation), with the simple approximation nominal - inflation. Processed locally.
使用说明与常见问题How-to & FAQ
「实际收益率（扣除通胀）」是什么？What is the Real Rate of Return Calculator tool?
实际收益率 = (1 + 名义收益率) / (1 + 通胀率) - 1（费雪方程），并给出简单近似值"名义 - 通胀"。本地处理。Real return = (1 + nominal) / (1 + inflation) - 1 (the Fisher equation), with the simple approximation nominal - inflation. Processed locally.
如何使用「实际收益率（扣除通胀）」？How do I use the Real Rate of Return Calculator tool?
填写名义收益率和通胀率，即可得到实际收益率 = (1 + 名义) ÷ (1 + 通胀) − 1，并给出近似值「名义 − 通胀」。结果会随输入实时更新。Enter the nominal return and the inflation rate to get the real return = (1 + nominal) ÷ (1 + inflation) − 1, along with the simple approximation nominal − inflation. The result updates as you type.
税后？After tax?
先用 名义 × (1 - 税率) 得到税后名义收益，再代入本页。Use nominal × (1 - tax rate) first, then enter it here.
能举个计算实例吗？Can you show a worked example?
例如在「实际收益率（扣除通胀）」中填 名义收益率 % = 8，通胀率 % = 3，结果区显示：实际收益率：4.854%；近似值（名义 − 通胀）：5%For example, entering Nominal return % = 8, Inflation rate % = 3 in the Real Rate of Return Calculator gives: Real return: 4.854%; Approximation (nominal − inflation): 5%
哪些输入会被检查？Which inputs are validated?
「实际收益率（扣除通胀）」会检查这些输入——「名义收益率 %」、「通胀率 %」：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 Real Rate of Return Calculator checks its inputs — "Nominal return %", "Inflation rate %": required; 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?
「实际收益率（扣除通胀）」的设置：「名义收益率 %」默认 8；「通胀率 %」默认 3。每次生成结果都按当前设置处理。Settings in the Real Rate of Return Calculator — "Nominal return %" default 8; "Inflation rate %" 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?
「实际收益率（扣除通胀）」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 Real Rate of Return Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「实际收益率（扣除通胀）」免费吗？需要注册吗？Is the Real Rate of Return Calculator free? Do I need an account?
「实际收益率（扣除通胀）」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 Real Rate of Return 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.