🛋️ 实际现金价值（ACV）计算器Actual Cash Value Calculator
按直线折旧估算保险理赔中物品的实际现金价值（ACV = 重置成本 − 折旧），扣除免赔额得出可能的赔付，并与按重置成本（RCV）赔付对比。Estimate an item's actual cash value for an insurance claim with straight-line depreciation (ACV = replacement cost − depreciation), subtract the deductible, and compare with a replacement cost (RCV) payout.
使用说明与常见问题How-to & FAQ
「实际现金价值（ACV）计算器」是什么？What is the Actual Cash Value Calculator tool?
按直线折旧估算保险理赔中物品的实际现金价值（ACV = 重置成本 − 折旧），扣除免赔额得出可能的赔付，并与按重置成本（RCV）赔付对比。Estimate an item's actual cash value for an insurance claim with straight-line depreciation (ACV = replacement cost − depreciation), subtract the deductible, and compare with a replacement cost (RCV) payout.
如何使用「实际现金价值（ACV）计算器」？How do I use the Actual Cash Value Calculator tool?
在「实际现金价值（ACV）计算器」中，填写「重置成本 $（今天买同类新品的价格）」、「已使用年数」、「预期使用寿命（年）」、「最低残值 %（可选，示例 0）」、「免赔额 $」等参数，结果会随输入实时计算并显示在下方。In the Actual Cash Value Calculator: Fill in "Replacement cost $ (price of a similar new item today)", "Years used", "Expected useful life (years)", "Minimum value % (optional, example 0)", "Deductible $"; results are recalculated instantly as you type.
ACV 和 RCV 有什么区别？What is the difference between ACV and RCV?
ACV（实际现金价值）是扣除折旧后的价值；RCV（重置成本）是今天买同类新品的价格。按 ACV 赔付的保单赔得较少，RCV 保单通常先按 ACV 赔付，替换后再补回折旧部分。ACV is value after depreciation; RCV is what a similar new item costs today. ACV policies pay less; RCV policies often pay ACV first and the depreciation once you replace the item.
保险公司也按直线折旧吗？Do insurers use straight-line depreciation too?
不一定。很多公司有自己的折旧表、按物品状况调整，或设定最低残值。本工具是直线估算，最终以保单和理赔员的核定为准。Not always. Many use their own depreciation tables, adjust for condition, or set a minimum value. This tool is a straight-line estimate; your policy and adjuster decide the final figure.
计算结果可以作为最终依据吗？Can I rely on the result?
「实际现金价值（ACV）计算器」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 Actual Cash Value Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「实际现金价值（ACV）计算器」免费吗？需要注册吗？Is the Actual Cash Value Calculator free? Do I need an account?
「实际现金价值（ACV）计算器」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 Actual Cash Value 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.