🎓 大学费用计算器College Cost Calculator
按当前每年学费生活费、学费上涨率和距入学年数，估算未来大学总费用，并计算在给定投资回报率下每月需要存多少钱。Project the future cost of college from today's annual cost, tuition inflation and years until enrolment, then see how much to save each month at a given return.
使用说明与常见问题How-to & FAQ
「大学费用计算器」是什么？What is the College Cost Calculator tool?
按当前每年学费生活费、学费上涨率和距入学年数，估算未来大学总费用，并计算在给定投资回报率下每月需要存多少钱。Project the future cost of college from today's annual cost, tuition inflation and years until enrolment, then see how much to save each month at a given return.
如何使用「大学费用计算器」？How do I use the College Cost Calculator tool?
在「大学费用计算器」中，填写「当前每年费用」、「距入学年数」、「就读年数」、「费用上涨率 %」、「已有储蓄」等参数，结果会随输入实时计算并显示在下方。In the College Cost Calculator: Fill in "Annual cost today", "Years until college", "Years of study", "Cost inflation %", "Current savings"; results are recalculated instantly as you type.
学费上涨率填多少合适？What inflation rate should I use?
默认的 4% 只是示例假设，不是预测。可以参考 College Board 每年发布的《Trends in College Pricing》中目标学校类型的历年涨幅，或学校公布的学费历史，自行选择；想保守一点就填高一些。The default 4% is an example assumption, not a forecast. Look at past increases for your type of school in the College Board's annual Trends in College Pricing report, or the school's own tuition history, and choose your own figure; enter a higher rate to be conservative.
每月需存是怎么算的？How is the monthly saving worked out?
先把各学年费用按投资回报率折现到入学当年，减去已有储蓄届时的价值，得到缺口；再按与年回报率等效的月利率 (1 + 年回报率)^(1/12) − 1 求出入学前每月需要的等额储蓄，这样已有储蓄、每月存款和学费折现使用同一个年回报率。Each year's cost is discounted to the start of college at the investment return, current savings are grown to that date and subtracted, and the gap is spread as equal monthly deposits compounding at the monthly rate equivalent to the annual return, (1 + annual return)^(1/12) − 1, so savings, deposits and discounting all use the same annual rate.
计算结果可以作为最终依据吗？Can I rely on the result?
「大学费用计算器」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 College Cost Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「大学费用计算器」免费吗？需要注册吗？Is the College Cost Calculator free? Do I need an account?
「大学费用计算器」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 College Cost 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.