复利计算
UpBox优盒工具箱，免费在线复利计算器：输入本金、年利率、年限与每月追加，按年/季/月/日复利算出到期本息、累计投入、利息收入与逐年余额明细。
无需注册 · 数据不上传No sign-up · nothing uploaded
投入与利率Inputs
到期本息-
累计投入-
利息收入-
收益倍数-
| 年 | 年末余额 | 累计投入 | 累计利息 |
|---|
已计算
本金按所选频次复利，每月追加按等效月利率逐月累积；结果为理想模型，不含通胀、税费与利率波动，实际收益以产品条款为准
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工具介绍
存款、理财、养老账户，本质都是「本金 + 复利 + 时间」。把三个数填进去，能看到钱是怎么滚起来的。 Savings, funds and pension pots all come down to principal, compounding and time. Enter the three and watch the balance build.
每月定投也能算进去，还能逐年看到利息什么时候超过本金投入，判断这笔钱值不值得放这么久。 Monthly deposits join the model, and the yearly table shows when interest overtakes contributions — a quick check on whether the horizon is worth it.
- 四种复利频次Four frequencies
- 含每月定投Monthly deposits
- 逐年明细Yearly table
- 利息占比Interest share
使用说明
- 填本金与年利率。Enter principal and rate.
- 设年限与复利频次。Set years and compounding.
- 填每月追加。Add a monthly deposit.
- 看明细表验证。Check the yearly table.
常见问题
复利频次差很多吗？Does frequency matter much?
同样的年利率，每天复利比每年复利只多一点，长期才看得出来。At the same nominal rate, daily beats yearly only slightly — visible mainly over long horizons.
每月追加怎么算？How are deposits handled?
按等效月利率逐月累积，追加发生在每月末。Deposits accrue at the equivalent monthly rate and are added at month end.
能算负利率吗？Can rates be negative?
可以，-99% 到 100% 之间都允许，用来模拟低息或亏损环境。Yes, from -99% to 100%, so low-rate or loss scenarios work too.
结果含通胀和税吗？Inflation and tax included?
不含，是名义收益的理想模型。No — this is a nominal ideal model.