投资 / 情景工具investing / scenario tool

复利情景图Compound-scenario heatmap

先调四个数，再看时间、储蓄与假设回报怎样共同改变结果。计算只在当前浏览器中完成。Adjust four values, then see how time, saving, and assumed return jointly change the result. All calculations remain in this browser.

这是情景演算，不是收益预测或投资建议；未完整计入税费、波动、回撤、汇率与行为偏差。This is a scenario calculation, not a return forecast or investment advice. It does not fully account for taxes and fees, volatility, drawdowns, exchange rates, or behavioral bias.

需要先换算货币？Need to convert currency first?打开汇率计算器Open the Currency Calculator

01 / 调整01 / adjust

当前情景Current scenario

初始资产Initial assets万×10,000 0–500 万，可精确到 1 万0–5 million, in increments of 10,000 每年储蓄Annual saving万×10,000 计算年限Time horizon年years 假设年化回报Assumed annual return%

目标与更多假设Target and further assumptions

目标、增长、通胀Target, growth, and inflation

目标资产Target assets万×10,000 储蓄年增长Annual growth in saving% 假设通胀Assumed inflation% 按今日购买力显示Show in today's purchasing power用上方通胀率折算资产与每次投入Deflate assets and contributions using the inflation rate above

02 / 结果02 / result

期末资产Ending assets

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累计投入Cumulative contributions: —
复利增量Compound-growth increment: —
达到目标Target reached: —

按月折算回报，并在每月月末加入储蓄。结果未包含税费与市场路径波动。Returns are converted monthly and saving is added at each month-end. Results exclude taxes, fees, and market-path volatility.

03 / 对比03 / compare

换一种储蓄与回报Try another saving-and-return scenario

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点按图面即可采用新情景；也可以回到上方，用滑块、方向键或数字框精确调整。Select a point on the chart to adopt a new scenario, or return above for precise adjustment with sliders, arrow keys, or number fields.

04 / 时间路径04 / through time

这条路径怎样形成How this path develops

实线是资产，细线是累计投入，虚线是目标。The solid line is assets, the thin line cumulative contributions, and the dashed line the target.