Finance & Investment金融理财与投资计算
Mortgage Loan Calculator (Equal P&I vs Equal Principal)房贷计算器 (等额本息 vs 等额本金对比)
Compare level-payment (equal principal & interest) against equal-principal repayment: monthly payment, interest saved, and commercial, provident fund or combined mortgages.等额本息与等额本金同屏对比，支持商业贷款、公积金贷款及组合贷款测算。
Mortgage Prepayment Calculator房贷提前还款计算器
Compare shortening your mortgage term vs reducing monthly payment, and calculate total interest saved.对比缩短还贷年限与减少月供两种提前还贷策略，精准计算节省利息总额。
Rent vs Buy Home Calculator买房 vs 租房收益对比计算器
Compare accumulated net wealth after N years between buying a home vs renting and investing the savings.综合测算 N 年后买房（房贷本息、房屋增值、剩余贷款残值）与租房（首付与每月差额定投理财）的最终净资产沉淀对比。
Loan Payment Calculator贷款月供与还款计划计算器
Monthly payment, total interest and a yearly amortization schedule for any fixed-rate loan.等额本息贷款月供测算、全周期总利息统计与逐年还款摊还明细计划表。
Income Tax & Take-Home Salary Calculator个人所得税计算器 (五险一金/专项扣除/年终奖)
Calculate net income, tax brackets, Five Insurances & Housing Fund, 7 Special Deductions, and Year-End Bonus tax optimization (Separate vs Combined).精准测算个税、五险一金、7项专项附加扣除与年终奖单独计税/合并计税智能优选。
Salary & Hourly Wage Converter薪资与时薪日薪换算器
Convert annual salary into hourly, weekly, biweekly, monthly and daily compensation.年薪、月薪、周薪、日薪与时薪之间快速多维互转换算。
Chinese Uppercase Amount人民币大写金额转换器
Convert a numeric amount into the formal Chinese uppercase form used on invoices and bank slips.把数字金额转换为发票、银行凭证使用的规范人民币大写金额。
True APR & Installment IRR Calculator分期真实年化利率 / 实际利率 IRR 计算器
Convert advertised monthly installment fees or credit card flat rates to real APR and IRR.基于牛顿迭代法求解真实年化利率 IRR 与 APR，揭秘信用卡分期等名义手续费陷阱。
Auto Loan & Out-of-Pocket Calculator汽车贷款与购车落地成本计算器
Monthly car loan payments, interest, down payment, purchase tax, insurance, and total out-of-pocket cost.测算汽车贷款月供利息，综合购置税、车险、上牌费等全套提车落地总成本。
Compound Interest & Investment Return Calculator复利投资与定投收益计算器
Compound growth with configurable compounding frequency, regular monthly contributions, and year-by-year schedule.支持自定义复利计息频率与每月定期定投，按年推演资产长期复利增值轨迹。
Simple Interest Calculator单利计算器
Compute simple interest I = P × r × t with total amount and per-period interest.根据 I = P × r × t 计算单利利息、到期本息总额与逐期明细。
ROI Calculator投资回报率 (ROI) 计算器
Return on investment from cost and revenue, with net profit and return multiple.根据投入成本与回收金额测算投资回报率 (ROI)、净利润与回报倍数。
Savings Goal Calculator目标储蓄规划计算器
Find the required monthly savings to achieve your financial goal by a target date.设定财务储蓄目标金额与到期年限，逆向测算每月所需定投金额与复合收益贡献。
FIRE Calculator (Financial Independence)FIRE 财务自由与提前退休计算器
Determine your target nest egg, projected retirement age, and safe withdrawal strategy using the 4% rule.基于 4% 安全提款法则测算财务自由目标资产、提前退休年龄与提款策略。
Inflation & Purchasing Power Calculator通货膨胀与购买力缩水计算器
Calculate future purchasing power erosion and future equivalent cost based on annual inflation.测算通货膨胀对资金购买力的长期侵蚀影响，展示未来等价物价与贬值幅度。
Discount & Sale Calculator折扣降价与购物优惠计算器
Final price and total savings from a percentage discount, for single or bulk quantities.根据打折折扣百分比计算优惠后价格与节省金额，支持单件或批量核算。
Retirement Drawdown Calculator退休资产提取与耗尽模拟计算器
Simulate how long your nest egg lasts with monthly withdrawals, fixed or growing with inflation.按月提取模拟退休资产的支撑年限，支持固定金额与随通胀逐年上调两种提取策略。
Mortgage Refinance Calculator房贷再融资 (转按揭) 对比计算器
Compare refinancing against your current mortgage: monthly savings, break-even point and lifetime interest.对比再融资方案与现有房贷：月供节省额、手续费回本月数与全周期利息变化。
Rental Yield & Cap Rate Calculator租金收益率与租售比计算器
Gross yield, net operating income (NOI), cap rate, price-to-rent ratio and vacancy sensitivity for a rental property.测算出租房产的毛租金收益率、净营业收入 NOI、资本化率、租售比与空置率敏感性分析。
Credit Card Minimum Payment Calculator信用卡最低还款代价计算器
How long minimum-only payments take to clear a balance, total interest paid, versus a fixed payment plan.揭示只还信用卡最低还款额的清偿时长与利息代价，并与固定月还款方案对比省息。
Annuity Present & Future Value Calculator年金现值与终值计算器
Present and future value of ordinary annuities and annuities due, monthly or yearly — for pension and insurance payout evaluation.普通年金与先付年金的现值/终值测算，支持月付年付，评估养老金与年金保险给付价值。
Net Worth Calculator净资产计算器
List assets and liabilities ("label, amount" per line) and get total assets, total liabilities, net worth and the debt-to-asset ratio.逐行列出资产与负债（"名称, 金额"），得出总资产、总负债、净资产与资产负债率。
Lump Sum vs Dollar-Cost Averaging一次性投资 vs 定投对比
Compare investing everything today against spreading the same total in monthly installments — future values, contributions and the difference, year by year.对比今天一次性全额投入与按月分批定投同一笔总额：终值、投入与差额，逐年展开。
Real Return Calculator (Inflation-Adjusted)真实收益率计算器（扣除通胀）
Strip inflation out of a nominal return: the exact Fisher real rate, plus what an investment actually buys after N years.把通胀从名义收益中剥离：费雪方程精确实际利率，并算出投资 N 年后的真实购买力。