💰 一次性投资（Lumpsum）计算器Lumpsum Investment Calculator
计算一次性投入一笔钱、按预期年化收益率复利增长若干年后的价值和收益，可选按通胀折算成今天的购买力；也可由目标金额反推需要投入多少。Calculate what a one-time investment grows to at an expected yearly return, and the gain, with an optional inflation-adjusted value; or work back from a target to the amount needed today.
使用说明与常见问题How-to & FAQ
「一次性投资（Lumpsum）计算器」是什么？What is the Lumpsum Investment Calculator tool?
计算一次性投入一笔钱、按预期年化收益率复利增长若干年后的价值和收益，可选按通胀折算成今天的购买力；也可由目标金额反推需要投入多少。Calculate what a one-time investment grows to at an expected yearly return, and the gain, with an optional inflation-adjusted value; or work back from a target to the amount needed today.
如何使用「一次性投资（Lumpsum）计算器」？How do I use the Lumpsum Investment Calculator tool?
在「一次性投资（Lumpsum）计算器」中，填写「求解」、「投资金额」、「目标金额」、「预期年化收益率 %（示例 12）」、「投资年限」等参数，结果会随输入实时计算并显示在下方。In the Lumpsum Investment Calculator: Fill in "Solve for", "Investment amount", "Target amount", "Expected yearly return % (example 12)", "Years"; results are recalculated instantly as you type.
用的是什么公式？What is the formula?
到期价值 FV = P × (1 + r)ⁿ，r 为年化收益率，n 为年数；反推投入 P = FV ÷ (1 + r)ⁿ。FV = P × (1 + r)ⁿ with r the yearly return and n the number of years; working back, P = FV ÷ (1 + r)ⁿ.
一次性投资和定投（SIP）有什么区别？Lumpsum or SIP?
一次性投资是一开始就把全部资金投入；定投是每月固定投入。同样的总金额，一次性投资在市场上涨时收益更高，定投能分散买入时点的风险。A lumpsum invests everything at the start; a SIP invests a fixed amount each month. For the same total, a lumpsum earns more in a rising market, while a SIP spreads the timing risk.
实际收益率怎么算？How is the real return found?
实际收益率 = (1 + 名义收益率) ÷ (1 + 通胀率) − 1，比直接相减更准确。Real return = (1 + nominal) ÷ (1 + inflation) − 1, which is more accurate than simple subtraction.
计算结果可以作为最终依据吗？Can I rely on the result?
「一次性投资（Lumpsum）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 Lumpsum Investment Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「一次性投资（Lumpsum）计算器」免费吗？需要注册吗？Is the Lumpsum Investment Calculator free? Do I need an account?
「一次性投资（Lumpsum）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 Lumpsum Investment 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.