👵 养老金计算器Pension Calculator
估算退休时的养老储蓄总额，以及它在退休期间每月能提供多少收入（含通胀折算为今天的购买力）。Project your retirement pot and the monthly income it can pay through retirement, also in today's money after inflation.
使用说明与常见问题How-to & FAQ
「养老金计算器」是什么？What is the Pension Calculator tool?
估算退休时的养老储蓄总额，以及它在退休期间每月能提供多少收入（含通胀折算为今天的购买力）。Project your retirement pot and the monthly income it can pay through retirement, also in today's money after inflation.
如何使用「养老金计算器」？How do I use the Pension Calculator tool?
在「养老金计算器」中，填写「当前年龄」、「退休年龄」、「退休后领取年数」、「当前养老储蓄」、「每月缴存」等参数，结果会随输入实时计算并显示在下方。In the Pension Calculator: Fill in "Current age", "Retirement age", "Years in retirement", "Current pension savings", "Monthly contribution"; results are recalculated instantly as you type.
计算假设是什么？What are the assumptions?
按月复利、月末缴存，退休后在指定年数内等额领完（按退休后收益率），收益率和通胀固定。未考虑税费和国家基本养老金，仅供规划参考。Monthly compounding with end-of-month contributions; in retirement the pot is drawn down evenly over the chosen years at the retirement return. Fixed returns and inflation; taxes, fees and state pensions are not included.
计算结果可以作为最终依据吗？Can I rely on the result?
「养老金计算器」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 Pension Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「养老金计算器」免费吗？需要注册吗？Is the Pension Calculator free? Do I need an account?
「养老金计算器」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 Pension 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.