💰 年金计算器Annuity Calculator
计算定期等额支付的年金现值和终值，支持期末（普通年金）和期初（先付年金）、不同支付频率。Present and future value of an annuity of equal payments, ordinary (end of period) or due (start of period), at any payment frequency.
使用说明与常见问题How-to & FAQ
「年金计算器」是什么？What is the Annuity Calculator tool?
计算定期等额支付的年金现值和终值，支持期末（普通年金）和期初（先付年金）、不同支付频率。Present and future value of an annuity of equal payments, ordinary (end of period) or due (start of period), at any payment frequency.
如何使用「年金计算器」？How do I use the Annuity Calculator tool?
在「年金计算器」中，填写「每期金额」、「年利率 %」、「年数」、「每年支付次数」、「支付时点」等参数，结果会随输入实时计算并显示在下方。In the Annuity Calculator: Fill in "Payment per period", "Annual rate %", "Years", "Payments per year", "Timing"; results are recalculated instantly as you type.
年数可以是小数吗？Can the number of years be fractional?
可以，只要年数 × 每年支付次数是整数期数，例如 2.5 年按每半年支付 = 5 期、按月支付 = 30 期。按年支付却填 2.5 年时无法对应整数次付款，工具会提示而不是悄悄四舍五入。Yes, as long as years × payments per year is a whole number of periods — e.g. 2.5 years semi-annually = 5 payments, monthly = 30. With yearly payments, 2.5 years does not map to a whole number of payments, so the tool tells you instead of silently rounding.
计算结果可以作为最终依据吗？Can I rely on the result?
「年金计算器」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 Annuity Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「年金计算器」免费吗？需要注册吗？Is the Annuity Calculator free? Do I need an account?
「年金计算器」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 Annuity 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.