搞了个小玩意，比如你买车免息5年，免息的价值到底是多少|不死鸟资源网

“特斯拉买车 5 年年息等于变相降价”
打个比方，30 万买车，5 年免息，如果你手握本金年华收益能达到 3%，具体相当于降价多少
图片[1]|搞了个小玩意，比如你买车免息5年，免息的价值到底是多少|不死鸟资源网
相当于：21738.21
体验链接：https://skybook.vip/program/mianxi/
<!DOCTYPE html>
<html lang="zh">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>按月复利分期计算器</title>
    <style>
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        table {
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        th, td {
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        th {
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            margin-top: 40px;
            padding-top: 20px;
            border-top: 1px solid #eee;
            color: #777;
        }
    </style>
</head>
<body>
<div class="container">
    <header>
        <h1>📈 按月复利分期计算器</h1>
        <p class="description">精确计算分期付款的真实成本与投资收益，帮助您做出更明智的财务决策</p>
    </header>

    <div class="calculator">
        <div class="input-grid">
            <div class="input-group">
                <label for="price"><span class="icon">💰</span> 商品总价（元）</label>
                <input type="number" id="price" value="10000" min="1" step="100">
            </div>

            <div class="input-group">
                <label for="months"><span class="icon">📅</span> 分期期数（月）</label>
                <input type="number" id="months" value="12" min="1" step="1">
            </div>

            <div class="input-group">
                <label for="rate"><span class="icon">📈</span> 年化收益率（%）</label>
                <input type="number" id="rate" value="3" step="0.1" min="0" max="50">
            </div>
        </div>

        <button id="calculate-btn"><span class="icon">🧮</span> 计算分期真实价值</button>
    </div>

    <div class="results">
        <div class="result-card">
            <div class="result-title">分期真实成本</div>
            <div class="result-value" id="trueCost">¥ --</div>
            <div class="result-subtext">考虑资金时间价值的实际支出</div>
        </div>

        <div class="result-card">
            <div class="result-title">分期节省价值</div>
            <div class="result-value" id="benefit">¥ --</div>
            <div class="result-subtext">免息分期创造的实际收益</div>
        </div>

        <div class="result-card">
            <div class="result-title">等效收益率</div>
            <div class="result-value" id="rateEquivalent">-- %</div>
            <div class="result-subtext">相当于获得的年化收益</div>
        </div>
    </div>

    <div class="toggle-section">
        <button class="toggle-button active" onclick="showTable('pv')">现值计算明细</button>
        <button class="toggle-button" onclick="showTable('fv')">终值计算明细</button>
        <button class="toggle-button" onclick="showTable('invest')">投资复利分析</button>
    </div>

    <div class="table-section">
        <div id="pv-table">
            <table>
                <thead>
                <tr>
                    <th>期数</th>
                    <th>每期支付</th>
                    <th>折现因子</th>
                    <th>折现现值</th>
                    <th>累计现值</th>
                </tr>
                </thead>
                <tbody id="pv-table-body">
                <tr>
                    <td colspan="5" style="text-align: center; padding: 30px;">请输入参数并点击计算按钮</td>
                </tr>
                </tbody>
            </table>
        </div>

        <div id="fv-table" style="display:none">
            <table>
                <thead>
                <tr>
                    <th>期数</th>
                    <th>每期支付</th>
                    <th>复利因子</th>
                    <th>复利终值</th>
                    <th>累计终值</th>
                </tr>
                </thead>
                <tbody id="fv-table-body">
                <tr>
                    <td colspan="5" style="text-align: center; padding: 30px;">请输入参数并点击计算按钮</td>
                </tr>
                </tbody>
            </table>
        </div>

        <div id="invest-table" style="display:none">
            <table>
                <thead>
                <tr>
                    <th>期数</th>
                    <th>新增资金</th>
                    <th>月收益率</th>
                    <th>当期收益</th>
                    <th>累计本金+收益</th>
                    <th>总收益率</th>
                </tr>
                </thead>
                <tbody id="invest-table-body">
                <tr>
                    <td colspan="6" style="text-align: center; padding: 30px;">请输入参数并点击计算按钮</td>
                </tr>
                </tbody>
            </table>
        </div>
    </div>

    <div class="explanation-section">
        <div class="explanation-card">
            <h2 class="explanation-title"><span class="icon">📊</span> 计算器功能说明</h2>

            <p>按月复利分期计算器是一个帮助您理解分期付款真实价值的工具。它可以帮助您：</p>

            <ul style="margin-left: 20px; margin-top: 15px;">
                <li><strong>分析免息分期付款的实际价值</strong> - 计算分期购买商品的真实成本</li>
                <li><strong>衡量资金的时间价值</strong> - 了解延迟支付现金的经济效益</li>
                <li><strong>模拟投资增长</strong> - 如果将分期节省的现金用于投资，能得到多少收益</li>
                <li><strong>做出更明智的财务决策</strong> - 比较一次性付款和分期付款的实际价值差异</li>
            </ul>

            <p style="margin-top: 20px;">这个计算器基于财务学中的<strong>折现现金流（DCF）模型</strong>和<strong>复利计算原理</strong>，为分期付款提供了三种不同视角的分析。</p>
        </div>

        <div class="calculation-method">
            <h3 class="method-title">计算模型与原理说明</h3>

            <div class="explanation-card">
                <h3 class="explanation-title"><span class="icon">💰</span> 现值计算模型</h3>
                <p>现值计算模型用于确定分期支付现金流的当前价值。这是一种常用财务分析方法，将未来现金流的价值调整到当前的等价金额。</p>

                <div class="formula">
                    折现因子 = 1 / (1 + 月利率)<sup>期数</sup>
                </div>

                <p><strong>其中：</strong></p>
                <ul>
                    <li>月利率 = 年化收益率 ÷ 100 ÷ 12</li>
                    <li>每期折现现值 = 每期支付金额 × 折现因子</li>
                    <li>真实成本 = ∑(每期折现现值)</li>
                    <li>分期节省价值 = 商品总价 - 真实成本</li>
                </ul>
            </div>

            <div class="explanation-card">
                <h3 class="explanation-title"><span class="icon">📈</span> 终值计算模型</h3>
                <p>终值计算模型展示如果分期节省的现金流用于投资，到期后这些资金会增长到多少。它模拟了分期节省资金的投资收益。</p>

                <div class="formula">
                    复利因子 = (1 + 月利率)<sup>(总期数 - 当前期数)</sup>
                </div>

                <p><strong>其中：</strong></p>
                <ul>
                    <li>每期终值 = 每期支付金额 × 复利因子</li>
                    <li>总终值 = ∑(每期终值)</li>
                    <li>一次性支付终值 = 商品总价 × (1 + 月利率)<sup>总期数</sup></li>
                </ul>
            </div>

            <div class="explanation-card">
                <h3 class="explanation-title"><span class="icon">💹</span> 投资复利分析</h3>
                <p>投资复利分析模拟逐月投资分期节省的现金。它展示了分期节省的现金流如何通过按月复利的方式增长。</p>

                <div class="formula">
                    第n期末值 = (第n-1期末值 + 本期新增金额) × (1 + 月利率)
                </div>

                <p><strong>其中：</strong></p>
                <ul>
                    <li>每期新增资金 = 每期支付金额</li>
                    <li>每期收益 = (上期余额 + 本期新增金额) × 月利率</li>
                    <li>总收益率 = (期末余额 - 累计投资额) ÷ 累计投资额 × 100%</li>
                </ul>
            </div>
        </div>
    </div>

    <footer>
        <p>© 2023 按月复利分期计算器 | 专业财务分析工具</p>
    </footer>
</div>

<script>
    document.getElementById('calculate-btn').addEventListener('click', calculate);

    function showTable(tableId) {
        // 隐藏所有表格
        document.getElementById('pv-table').style.display = 'none';
        document.getElementById('fv-table').style.display = 'none';
        document.getElementById('invest-table').style.display = 'none';

        // 重置按钮状态
        document.querySelectorAll('.toggle-button').forEach(btn => {
            btn.classList.remove('active');
        });

        // 显示选择的表格
        document.getElementById(tableId + '-table').style.display = 'block';

        // 激活对应按钮
        document.querySelector(`.toggle-button[onclick="showTable('${tableId}')"]`).classList.add('active');
    }

    function calculate() {
        // 获取输入值
        const price = parseFloat(document.getElementById("price").value);
        const months = parseInt(document.getElementById("months").value);
        const annualRate = parseFloat(document.getElementById("rate").value);

        // 验证输入
        if (price <= 0 || months <= 0 || annualRate < 0) {
            alert("请输入有效的数值：商品总价和期数必须大于0，年化收益率不能为负数");
            return;
        }

        // 计算月利率
        const monthlyRate = annualRate / 100 / 12;
        // 计算每期支付金额
        const monthlyPayment = price / months;

        // 初始化计算结果变量
        let totalPresentValue = 0;
        let totalFutureValue = 0;
        let investmentBalance = 0;

        let pvTableHTML = '';
        let fvTableHTML = '';
        let investTableHTML = '';

        // 计算每期的现值、终值和投资增长
        for (let t = 1; t <= months; t++) {
            // ======== 现值计算 ========
            const discountFactor = 1 / Math.pow(1 + monthlyRate, t);
            const presentValue = monthlyPayment * discountFactor;
            totalPresentValue += presentValue;

            // 构建现值表格
            pvTableHTML += `
                <tr>
                    <td>${t}</td>
                    <td>¥${monthlyPayment.toFixed(2)}</td>
                    <td>${discountFactor.toFixed(6)}</td>
                    <td>¥${presentValue.toFixed(2)}</td>
                    <td>¥${totalPresentValue.toFixed(2)}</td>
                </tr>
            `;

            // ======== 终值计算 ========
            const futureValueFactor = Math.pow(1 + monthlyRate, months - t);
            const futureValue = monthlyPayment * futureValueFactor;
            totalFutureValue += futureValue;

            // 构建终值表格
            fvTableHTML += `
                <tr>
                    <td>${t}</td>
                    <td>¥${monthlyPayment.toFixed(2)}</td>
                    <td>${futureValueFactor.toFixed(6)}</td>
                    <td>¥${futureValue.toFixed(2)}</td>
                    <td>¥${totalFutureValue.toFixed(2)}</td>
                </tr>
            `;

            // ======== 投资复利分析 ========
            const previousBalance = investmentBalance;
            const monthlyInterest = (previousBalance + monthlyPayment) * monthlyRate;
            investmentBalance = (previousBalance + monthlyPayment) * (1 + monthlyRate);
            const totalInvestment = monthlyPayment * t;
            const totalReturn = investmentBalance - totalInvestment;
            const returnRate = (totalReturn / totalInvestment) * 100;

            // 构建投资分析表格
            investTableHTML += `
                <tr>
                    <td>${t}</td>
                    <td>¥${monthlyPayment.toFixed(2)}</td>
                    <td>${(monthlyRate * 100).toFixed(2)}%</td>
                    <td>¥${monthlyInterest.toFixed(2)}</td>
                    <td>¥${investmentBalance.toFixed(2)}</td>
                    <td>${returnRate.toFixed(2)}%</td>
                </tr>
            `;
        }

        // 计算结果
        const trueCost = totalPresentValue;
        const benefit = price - trueCost;
        const rateEquivalent = (benefit / price * 100).toFixed(2);

        // 更新结果展示
        document.getElementById("trueCost").textContent = "¥" + trueCost.toFixed(2);
        document.getElementById("benefit").textContent = "¥" + benefit.toFixed(2);
        document.getElementById("rateEquivalent").textContent = rateEquivalent + "%";

        // 更新表格
        document.getElementById("pv-table-body").innerHTML = pvTableHTML;
        document.getElementById("fv-table-body").innerHTML = fvTableHTML;
        document.getElementById("invest-table-body").innerHTML = investTableHTML;

        // 确保现值表格默认可见
        document.getElementById('pv-table').style.display = 'block';
    }

    // 页面加载后自动计算一次
    window.onload = function() {
        calculate();
        // 设置默认激活按钮
        document.querySelector('.toggle-button').classList.add('active');
    };
</script>
</body>
</html>
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