⏪ 现值计算器Present Value Calculator
计算未来一笔钱或一系列等额收付款在今天的价值（折现）。Discount a future amount or a series of equal payments to its present value.
使用说明与常见问题How-to & FAQ
「现值计算器」是什么？What is the Present Value Calculator?
计算未来一笔钱或一系列等额收付款在今天的价值（折现）。Discount a future amount or a series of equal payments to its present value.
如何使用「现值计算器」？How do I use the Present Value Calculator?
在「现值计算器」中，填写「未来金额」、「每期收付款」、「年折现率%」、「年数」、「每年期数」等参数，结果会随输入实时计算并显示在下方。In the Present Value Calculator: Fill in "Future value", "Payment per period", "Annual discount rate %", "Years", "Periods per year"; results are recalculated instantly as you type.
计算结果可以作为最终依据吗？Can I rely on the result?
「现值计算器」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 Present Value Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「现值计算器」免费吗？需要注册吗？Is the Present Value Calculator free? Do I need an account?
「现值计算器」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 Present Value 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.