“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](https://www.busi.net/wp-content/uploads/2025/06/20250607080139396-image-1024x637.png)
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>
:root {
--primary: #1890ff;
--primary-dark: #096dd9;
--accent: #52c41a;
--light: #f8f9fa;
--dark: #2d3436;
--border: #d9d9d9;
--card-radius: 12px;
}
* {
box-sizing: border-box;
margin: 0;
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body {
font-family: 'Segoe UI', 'Microsoft YaHei', sans-serif;
padding: 20px;
background: linear-gradient(135deg, #e3f2fd, #f0f7ff);
color: #333;
line-height: 1.6;
min-height: 100vh;
}
.container {
max-width: 1200px;
margin: 30px auto;
background: white;
padding: 30px;
border-radius: var(--card-radius);
box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}
header {
text-align: center;
margin-bottom: 30px;
padding-bottom: 20px;
border-bottom: 1px solid #eee;
}
h1 {
color: var(--primary);
margin-bottom: 15px;
font-size: 2.5rem;
}
.description {
font-size: 1.1rem;
color: #555;
max-width: 800px;
margin: 0 auto 20px;
line-height: 1.8;
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.calculator {
background: #f8fbff;
padding: 25px;
border-radius: var(--card-radius);
box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
margin-bottom: 30px;
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.input-grid {
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gap: 20px;
margin-bottom: 20px;
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.input-group {
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flex-direction: column;
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label {
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margin-bottom: 10px;
font-weight: 600;
color: var(--dark);
font-size: 1.1rem;
display: flex;
align-items: center;
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label span.icon {
margin-right: 10px;
font-size: 1.2rem;
}
input {
width: 100%;
padding: 14px;
border: 1px solid var(--border);
border-radius: 8px;
font-size: 1.1rem;
background: white;
}
input:focus {
outline: none;
border-color: var(--primary);
box-shadow: 0 0 0 3px rgba(24, 144, 255, 0.2);
}
button {
padding: 16px;
background: linear-gradient(to right, var(--primary), var(--primary-dark));
color: white;
font-size: 1.2rem;
font-weight: 600;
border: none;
border-radius: 8px;
cursor: pointer;
transition: all 0.3s;
margin-top: 15px;
width: 100%;
}
button:hover {
background: linear-gradient(to right, var(--primary-dark), #0050b3);
transform: translateY(-3px);
box-shadow: 0 7px 15px rgba(24, 144, 255, 0.3);
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.results {
display: grid;
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.result-card {
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padding: 25px;
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text-align: center;
border-top: 4px solid var(--primary);
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.result-card:nth-child(2) {
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.result-card:nth-child(3) {
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.result-title {
font-size: 1.2rem;
color: #555;
margin-bottom: 15px;
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.result-value {
font-size: 2.2rem;
font-weight: 700;
color: var(--primary);
margin: 10px 0;
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.result-card:nth-child(2) .result-value {
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.result-card:nth-child(3) .result-value {
color: #faad14;
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.result-subtext {
font-size: 1rem;
color: #777;
margin-top: 10px;
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.toggle-section {
display: flex;
justify-content: center;
gap: 15px;
margin: 20px 0 25px;
flex-wrap: wrap;
}
.toggle-button {
padding: 12px 25px;
background: #edf2f7;
border: none;
border-radius: 6px;
font-weight: 600;
cursor: pointer;
transition: all 0.3s;
font-size: 1.05rem;
}
.toggle-button.active {
background: var(--primary);
color: white;
box-shadow: 0 3px 10px rgba(24, 144, 255, 0.3);
}
.table-section {
margin: 25px 0;
overflow-x: auto;
border-radius: var(--card-radius);
box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
}
table {
width: 100%;
border-collapse: collapse;
background: white;
}
th, td {
padding: 14px 15px;
text-align: center;
}
th {
background: var(--primary);
color: white;
font-weight: 600;
position: sticky;
top: 0;
}
tr:nth-child(even) {
background-color: #f0f8ff;
}
tr:hover {
background-color: #e6f7ff;
}
.explanation-section {
margin: 40px 0 20px;
}
.explanation-card {
background: #fffbe6;
border-left: 4px solid #faad14;
padding: 25px;
border-radius: var(--card-radius);
margin-bottom: 30px;
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.explanation-title {
font-size: 1.5rem;
margin-bottom: 20px;
color: #d48806;
display: flex;
align-items: center;
}
.explanation-title span.icon {
margin-right: 10px;
font-size: 1.8rem;
}
.calculation-method {
margin-top: 25px;
padding: 20px;
background: #f0f8ff;
border-radius: var(--card-radius);
border-left: 4px solid var(--primary);
}
.method-title {
font-size: 1.3rem;
margin-bottom: 15px;
color: var(--primary);
}
.formula {
font-family: 'Consolas', monospace;
background: #f8f8f8;
padding: 15px;
border-radius: 8px;
margin: 15px 0;
font-size: 1.1rem;
text-align: center;
border-left: 4px solid var(--accent);
}
@media (max-width: 768px) {
.container {
padding: 20px;
}
.results {
grid-template-columns: 1fr;
}
.toggle-section {
flex-direction: column;
align-items: center;
}
.toggle-button {
width: 90%;
}
}
footer {
text-align: center;
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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