💰 金融理财Finance
房贷计算器Loan & Mortgage Calculator
房贷/贷款计算器：等额本息和等额本金，计算月供、总利息和还款计划。Mortgage/loan calculator: monthly payment, total interest and amortization schedule.
复利计算器Compound Interest Calculator
计算复利投资终值：本金、年利率、年限、复利频率和每月追加投资。Calculate compound interest with principal, rate, years, compounding frequency and monthly contributions.
单利计算器Simple Interest Calculator
计算单利利息和本息合计：利息 = 本金 × 利率 × 时间。Calculate simple interest and total: interest = principal × rate × time.
存钱目标计算器Savings Goal Calculator
想在 N 年后攒够目标金额？计算每月需要存多少钱（含收益）。Find out how much to save each month to reach a savings goal, including returns.
定投收益计算器SIP / Regular Investment Calculator
基金定投计算器：每月定投金额、年化收益率和年限，计算最终收益。Calculate returns on regular monthly investing (SIP / dollar-cost averaging).
投资回报率 ROI 计算器ROI Calculator
计算投资回报率 ROI 和年化收益率，输入投入、回收金额和持有期。Calculate return on investment (ROI) and annualized return.
年复合增长率 CAGRCAGR Calculator
计算年均复合增长率 CAGR；结束值留空并填写目标 CAGR，可反推目标结束值。Calculate compound annual growth rate (CAGR) — or leave the end value blank and enter a target CAGR to get the end value.
折扣计算器Discount Calculator
计算打折后价格和节省金额，支持打几折（中文）和百分比折扣、满减。Calculate sale price and savings from a percent discount (or Chinese 'X 折').
小费 / AA 分账计算器Tip & Split Bill Calculator
计算小费金额并平均分摊账单，适合聚餐 AA 和出国旅游。Calculate tip and split the bill among people.
增值税 / 含税价计算器VAT / Sales Tax Calculator
计算含税价和不含税价：加税或去税，支持 13%、9%、6% 等增值税率。Add or remove VAT/sales tax: compute net, tax and gross amounts.
个人所得税计算器China Income Tax Calculator
2026 中国个税计算器：输入月薪、五险一金和专项附加扣除，计算每月个税和税后工资（累计预扣法）。Chinese individual income tax calculator (cumulative withholding): monthly tax and take-home pay.
通货膨胀计算器Inflation Calculator
按年通胀率计算未来购买力：今天的钱 N 年后值多少，或未来需要多少钱。See how inflation erodes purchasing power over time.
盈亏平衡点计算器Break-even Calculator
计算盈亏平衡点：需要卖出多少件产品才能覆盖固定成本。Calculate the break-even point in units and revenue.
利润率计算器Profit Margin Calculator
根据成本和售价计算毛利、毛利率和加价率，或根据目标利润率反推售价。Calculate profit, margin and markup from cost and price — or price from a target margin.
信用卡还款计算器Credit Card Payoff Calculator
计算按月固定还款多久能还清信用卡欠款，以及总利息。How long to pay off a credit card balance with a fixed monthly payment, and total interest.
折旧计算器Depreciation Calculator
计算资产折旧：直线法、双倍余额递减法，生成每年折旧表。Calculate asset depreciation (straight-line or double-declining) with a yearly schedule.
时薪月薪年薪换算Salary Converter (Hourly ↔ Annual)
时薪、日薪、周薪、月薪、年薪互相换算，可设置每周工时和工作日。Convert between hourly, daily, weekly, monthly and annual pay.
提前还款计算器Mortgage Prepayment Calculator
计算房贷提前还款能省多少利息：缩短年限或减少月供两种方式对比。See how much interest a mortgage prepayment saves: shorter term vs lower payment.
房贷月供计算器（含税费保险）Mortgage Calculator (PITI)
计算美式房贷每月总支出：本息、房产税、房屋保险、PMI 和物业费（PITI）。Monthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA (PITI).
车贷计算器Car Loan Calculator
计算汽车贷款月供：车价、首付、旧车置换、销售税、手续费和贷款期限。Auto loan payment with price, down payment, trade-in, sales tax, fees and term.
组合贷/公积金贷款计算器China Mortgage (Provident Fund & Combination Loan)
商业贷款+公积金组合贷款计算，支持等额本息和等额本金，显示首月月供、末月月供和总利息。China combination mortgage (commercial + housing provident fund), equal installment or equal principal.
退休规划计算器Retirement Calculator
估算退休时的储蓄总额，并与按 4% 提取规则所需的金额比较，考虑通胀。Project your retirement savings and compare with what you need under the 4% rule, adjusting for inflation.
FIRE 财务自由计算器FIRE Calculator (Financial Independence)
计算实现财务自由（FIRE）所需的资产和年数：年支出 ÷ 安全提取率。How much you need for FIRE and how many years it takes: annual expenses ÷ safe withdrawal rate.
负债收入比计算器Debt-to-Income (DTI) Ratio Calculator
计算负债收入比（DTI），判断贷款申请时的财务健康程度（36% / 43% 参考线）。Calculate your debt-to-income ratio and see where you stand against the 36% / 43% lending guidelines.
租房还是买房计算器Rent vs Buy Calculator
比较在一定年限内租房与买房的净成本（含房价涨幅、机会成本、维护费）。Compare the net cost of renting vs buying over a time horizon, including appreciation and opportunity cost.
APR 转 APY 计算器APR to APY Calculator
把名义年利率（APR）换算为实际年收益率（APY/EAR），支持不同复利频率，以及反向换算。Convert APR to APY (effective annual rate) for any compounding frequency, and back.
现值计算器Present Value Calculator
计算未来一笔钱或一系列等额收付款在今天的价值（折现）。Discount a future amount or a series of equal payments to its present value.
终值计算器Future Value Calculator
计算一次性投入和定期定额投入在未来的价值，支持期初/期末付款。Future value of a lump sum plus regular payments, with payments at the beginning or end of each period.
NPV / IRR 计算器NPV & IRR Calculator
输入各期现金流，计算净现值（NPV）、内部收益率（IRR）和盈利指数。Calculate net present value (NPV), internal rate of return (IRR) and profitability index from cash flows.
投资回收期计算器Payback Period Calculator
根据初始投资和每期现金流计算静态回收期和动态（折现）回收期。Simple and discounted payback period from an initial investment and periodic cash flows.
股息率计算器Dividend Yield Calculator
计算股息率、年股息收入和派息率，可估算达到目标股息收入所需的持股数量。Dividend yield, annual dividend income, payout ratio and shares needed for a target income.
股票补仓成本计算器Stock Average Cost Calculator
多次买入后计算持仓平均成本（摊薄成本），输入现价可看浮动盈亏。Average cost per share after multiple buys, with unrealized profit/loss at the current price.
A股交易费用计算器China A-Share Trading Fee Calculator
计算 A 股买卖的佣金、印花税（卖出 0.05%）、过户费和净盈亏，以及保本卖出价。China A-share fees: commission, stamp duty (0.05% on sells), transfer fee, net profit and break-even price.
加价率计算器Markup Calculator
根据成本和加价率计算售价，或根据成本和售价计算加价率与毛利率，并互相换算。Selling price from cost and markup, or markup and margin from cost and price.
年终奖个税计算器China Year-End Bonus Tax Calculator
按全年一次性奖金单独计税方法计算年终奖个人所得税和税后金额，提示“多发一元多缴税”区间。China annual one-off bonus tax under the separate-taxation method, with the 'tax trap' ranges flagged.
五险一金计算器China Social Insurance & Housing Fund Calculator
按缴费基数和比例计算个人和单位缴纳的养老、医疗、失业、工伤、生育保险和住房公积金。China 'five insurances and one fund' contributions for employee and employer, by contribution base and rates.
72 法则计算器Rule of 72 Calculator
用 72 法则快速估算资金翻倍所需年数，并与精确值比较；或由年数反推所需收益率。Estimate years to double your money with the Rule of 72, compared with the exact figure, or the rate needed.
提成/佣金计算器Commission Calculator
按固定比例或阶梯比例计算销售提成，加上底薪得出总收入。Sales commission with a flat rate or tiered rates, plus base salary.
单价比较计算器（哪个更划算）Unit Price Comparison
比较不同包装/规格商品的单价，找出最划算的选择。Compare unit prices across package sizes to find the best deal.
50/30/20 预算计算器50/30/20 Budget Calculator
按 50/30/20 法则把税后收入分为必要开支、想要开支和储蓄，比例可自定义。Split take-home pay into needs, wants and savings with the 50/30/20 rule (adjustable).
电费计算器（电器耗电）Electricity Cost Calculator
根据电器功率、每天使用时长和电价，计算每天、每月、每年的耗电量（度）和电费。Energy use (kWh) and cost per day, month and year from appliance wattage, hours of use and price.
自由职业时薪计算器Freelance Hourly Rate Calculator
根据目标年收入、业务开支、税率、假期和可计费工时，算出你应该收取的时薪和日薪。Work out your freelance hourly and day rate from target income, expenses, tax, vacation and billable hours.
油费计算器（自驾）Trip Fuel Cost Calculator
根据里程、百公里油耗和油价计算自驾油费，并可按人数 AA 分摊。Fuel cost for a road trip from distance, consumption and fuel price, split between passengers.
加班费计算器China Overtime Pay Calculator
按中国劳动法计算加班费：工作日 1.5 倍、休息日 2 倍、法定节假日 3 倍，日工资按月薪 ÷ 21.75。China overtime pay: 150% on workdays, 200% on rest days, 300% on public holidays; daily wage = monthly ÷ 21.75.
经济补偿金计算器（N+1）China Severance Pay Calculator (N, N+1, 2N)
按《劳动合同法》计算离职经济补偿金 N、N+1 和违法解除赔偿金 2N，考虑高收入封顶。China severance under the Labor Contract Law: N, N+1 and 2N, including the high-earner cap.