如何使用复利计算器？
输入初始本金、每月投入、预期年收益率和投资年限，即可估算最终金额、投入总额和复利收益。
计算工具
复利计算器 📈
估算复利增长、未来金额、累计收益和投入本金，并查看详细增长明细。
投资增长预测每月定投逐年增长明细
Investment Details
🧮 This is an estimate for planning and comparison only. Real returns can rise, fall or be negative.
Compound interest means growth can earn more growth. Monthly contributions add new money over time, and the table shows how the balance changes year by year.
Growth Summary
Estimated final balance
$0.00
Future value after compounding
Total contributions
$0.00
Interest earned
$0.00
初始本金
$0.00
Growth multiple
0.00×
Without monthly deposits
$0.00
Contribution impact
$0.00
Change the numbers to compare different rates, deposits and time horizons.
Growth Schedule
Year-by-year investment growth breakdown
The schedule estimates monthly growth using the selected annual return and compounding frequency. Actual investments may not grow smoothly.
复利计算器常见问题
复利是什么意思？
复利是指已获得的利息或收益继续参与增长，让本金与过去的收益一起产生新的收益。
复利收益指什么？
这里的收益是最终估算金额减去初始本金和每月投入后的金额。
为什么每月投入很重要？
定期投入会持续增加本金，新增资金也可能在后续时间里产生复利，长期差异可能很明显。
计算结果有保证吗？
没有。结果仅用于规划与比较；实际投资收益会波动，投资也可能亏损。
复利频率会影响结果吗？
会。工具支持每日、每周、每月、每季度或每年复利；即使利率和投入金额相同，频率不同也可能改变估算值。
