👴 退休规划计算器Retirement Calculator
估算退休时的储蓄总额，并与按 4% 提取规则所需的金额比较，考虑通胀。Project your retirement savings and compare with what you need under the 4% rule, adjusting for inflation.
使用说明与常见问题How-to & FAQ
「退休规划计算器」是什么？What is the Retirement Calculator tool?
估算退休时的储蓄总额，并与按 4% 提取规则所需的金额比较，考虑通胀。Project your retirement savings and compare with what you need under the 4% rule, adjusting for inflation.
如何使用「退休规划计算器」？How do I use the Retirement Calculator tool?
在「退休规划计算器」中，填写「当前年龄」、「退休年龄」、「当前储蓄」、「每月投入」、「年化收益%」等参数，结果会随输入实时计算并显示在下方。In the Retirement Calculator: Fill in "Current age", "Retirement age", "Current savings", "Monthly contribution", "Annual return %"; 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?
「退休规划计算器」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 Retirement Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「退休规划计算器」免费吗？需要注册吗？Is the Retirement Calculator free? Do I need an account?
「退休规划计算器」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 Retirement 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.