🏦 定期存款计算器Fixed Deposit Calculator
输入本金、年利率和存期（年 + 月），按单利或按季、按月、按半年、按年复利计算到期金额、利息和实际年收益率。Enter the principal, annual interest rate and term (years plus months) to get the maturity amount, interest earned and effective annual yield, with simple interest or quarterly, monthly, half-yearly or yearly compounding.
使用说明与常见问题How-to & FAQ
「定期存款计算器」是什么？What is the Fixed Deposit Calculator tool?
输入本金、年利率和存期（年 + 月），按单利或按季、按月、按半年、按年复利计算到期金额、利息和实际年收益率。Enter the principal, annual interest rate and term (years plus months) to get the maturity amount, interest earned and effective annual yield, with simple interest or quarterly, monthly, half-yearly or yearly compounding.
如何使用「定期存款计算器」？How do I use the Fixed Deposit Calculator tool?
在「定期存款计算器」中，填写「本金」、「年利率（%）」、「存期：年」、「存期：月」、「计息方式」等参数，结果会随输入实时计算并显示在下方。In the Fixed Deposit Calculator: Fill in "Principal", "Annual interest rate (%)", "Term: years", "Term: months", "Interest"; results are recalculated instantly as you type.
到期金额怎么算？How is the maturity amount calculated?
复利：A = P × (1 + r/n)^(n × t)，n 是每年计息次数（按季 4、按月 12），t 是存期（年，月数 ÷ 12）。单利：A = P × (1 + r × t)。例如 100,000 元、年利率 7%、按季复利 5 年，到期约 141,477.82 元。Compound: A = P × (1 + r/n)^(n × t), where n is the number of compounding periods a year (4 quarterly, 12 monthly) and t is the term in years (months ÷ 12). Simple: A = P × (1 + r × t). For example 100,000 at 7% compounded quarterly for 5 years matures at about 141,477.82.
实际年收益率是什么？What is the effective annual yield?
把复利效果折算成一年一次计息时的利率：(1 + r/n)^n − 1。按季复利 7% 相当于每年 7.1859%。单利存款则给出与到期金额相同的等效年复利收益率。The rate that would give the same result with interest added once a year: (1 + r/n)^n − 1. 7% compounded quarterly is equivalent to 7.1859% a year. For simple interest the tool shows the compound annual yield that would reach the same maturity amount.
和银行给的结果为什么可能不同？Why might my bank's figure differ?
银行可能按实际天数计息、对不足一个计息期的部分用单利、扣除利息税，或在中途调整利率。本工具按月数 ÷ 12 计算，不含税费。Banks may count actual days, use simple interest for a part period, withhold tax on interest, or change rates. This tool uses months ÷ 12 and ignores taxes.
计算结果可以作为最终依据吗？Can I rely on the result?
「定期存款计算器」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 Fixed Deposit Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「定期存款计算器」免费吗？需要注册吗？Is the Fixed Deposit Calculator free? Do I need an account?
「定期存款计算器」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 Fixed Deposit 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.