🏦 年金领取计算器Annuity Payout Calculator
输入年金本金、年收益率和领取年限，计算每月/每季/每年可以领取多少钱；也可以反过来输入每期领取额，算出本金能领多久。Find how much an annuity or lump sum pays each month, quarter or year for a chosen number of years at a given return — or enter the payout you want and see how long the money lasts.
使用说明与常见问题How-to & FAQ
「年金领取计算器」是什么？What is the Annuity Payout Calculator tool?
输入年金本金、年收益率和领取年限，计算每月/每季/每年可以领取多少钱；也可以反过来输入每期领取额，算出本金能领多久。Find how much an annuity or lump sum pays each month, quarter or year for a chosen number of years at a given return — or enter the payout you want and see how long the money lasts.
如何使用「年金领取计算器」？How do I use the Annuity Payout Calculator tool?
在「年金领取计算器」中，填写「求解」、「本金」、「年收益率 %」、「领取年限」、「每期领取额」等参数，结果会随输入实时计算并显示在下方。In the Annuity Payout Calculator: Fill in "Solve for", "Starting balance", "Annual return %", "Payout years", "Payout per period"; results are recalculated instantly as you type.
用的是什么公式？What formula is used?
每期领取额 = P × i ÷ (1 − (1+i)^−n)，i = 年收益率 ÷ 每年期数，n = 领取次数；期初领取时再除以 (1+i)。Payout = P × i ÷ (1 − (1+i)^−n), with i = annual return ÷ periods per year and n = number of payouts; for payments at the start of each period divide by (1+i).
结果和保险公司的年金报价一样吗？Will this match an insurer's quote?
不一定。终身年金还取决于年龄、性别、死亡率表和费用。本工具计算的是“固定期限、固定收益率”的确定年金，适合估算退休金能领多久。反算“能领多久”时，结果显示能足额领取的次数，以及最后一次只能领到的剩余金额。Not necessarily. Lifetime annuities also depend on age, sex, mortality tables and fees. This calculates a fixed-term annuity at a fixed return — useful for estimating how long savings last. When solving how long it lasts, the result shows the number of full payouts plus the smaller final payout of whatever is left.
计算结果可以作为最终依据吗？Can I rely on the result?
「年金领取计算器」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 Payout Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「年金领取计算器」免费吗？需要注册吗？Is the Annuity Payout Calculator free? Do I need an account?
「年金领取计算器」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 Payout 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.