🏦 偿债基金Sinking Fund

使用说明与常见问题How-to & FAQ

「偿债基金」是什么？What is the Sinking Fund tool?

每期存 A = FV × r / ((1+r)^n - 1)。本地处理。可设置「目标金额」、「期利率 %」、「期数」。Deposit A = FV × r / ((1+r)^n - 1). Processed locally. Settings: Target amount, Rate per period %, Periods.

如何使用「偿债基金」？How do I use the Sinking Fund tool?

填写目标金额、每期利率和期数，即可得到每期需要存入的金额 A = FV × r ÷ ((1 + r)ⁿ − 1)。结果会随输入实时更新。Enter the target amount, the rate per period and the number of periods to get the deposit needed each period, A = FV × r ÷ ((1 + r)ⁿ − 1). The result updates as you type.

月供？Monthly?

把年利率÷12、年数×12 后填。Divide APR by 12 and multiply years by 12.

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

例如在「偿债基金」中填 目标金额 = 100000，期利率 % = 0.5，期数 = 120，结果区显示：每期存入：610.21；总存入：73,224.60For example, entering Target amount = 100000, Rate per period % = 0.5, Periods = 120 in the Sinking Fund gives: Payment per period: 610.21; Total deposited: 73,224.60

哪些输入会被检查？Which inputs are validated?

「偿债基金」会检查这些输入——「目标金额」：必须填写，须大于 0；「期利率 %」：必须填写，不能为负数；「期数」：必须填写，不能为负数，须为整数；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 Sinking Fund checks its inputs — "Target amount": required, must be greater than 0; "Rate per period %": required, cannot be negative; "Periods": required, cannot be negative, must be a whole number; 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?

「偿债基金」的设置：「目标金额」默认 100000；「期利率 %」默认 0.5；「期数」默认 120。每次生成结果都按当前设置处理。Settings in the Sinking Fund — "Target amount" default 100000; "Rate per period %" default 0.5; "Periods" default 120. 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?

「偿债基金」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 Sinking Fund uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「偿债基金」免费吗？需要注册吗？Is the Sinking Fund free? Do I need an account?

「偿债基金」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 Sinking Fund is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.