复利计算器
看到复利的力量。设定初始本金、每月定投、年化收益率和时间，计算多年后的资产规模 —— 支持年、半年、季、月、日多种计息频率。
Final balance—
Total contributions—
Total interest earned—
Multiplier—
Growth chart
Contributions
Interest
功能特性
Initial principal + recurring contributions
Annual / semi-annual / quarterly / monthly / daily compounding
Year-by-year breakdown
Visual growth chart
Total contribution vs interest earned
使用方法
1. 输入初始本金和每月定投金额。
2. 设置预期年化收益率（参考：长期股市约 7%）。
3. 选择投资年数和复利频率。
4. 右侧的图表会展示「本金」与「利息」逐年累积的过程。
5. 点击「显示表格」可查看每一年的详细数字。
常见问题
What is compound interest?
Compound interest is interest calculated on both your initial principal and the accumulated interest from previous periods. Over time, this 'interest on interest' effect can dramatically grow your savings.
How realistic is the projected growth?
The math is exact, but the assumed annual return is up to you. Historical stock market average is roughly 7% real return per year, but actual results vary.