万能财务计算器：FV、PV、PMT、利率、期数一键计算！

在进行储蓄、投资或贷款规划时，我们常常会遇到这样的问题：我每月储蓄多少可以达到目标？ 或 若要达到某个未来金额，我需要投入多少钱？为了帮助你快速解答这些理财难题，我们特别设计了这个万能财务计算器，支持计算以下五种关键财务元素：未来价值（FV），现值（PV），每期供款（PMT），总期数（N），以及利率（i）。只需输入已知项目，点击计算，即可获得结果及详细拆解：总本金、总供款金额、总利息收入，一目了然！When planning savings, investments or loans, we often ask: how much must I save each month to reach my goal? or how much do I need to invest to reach a future amount? This all-in-one financial calculator solves five key time-value-of-money elements: Future Value (FV), Present Value (PV), Payment per period (PMT), Number of periods (N) and interest rate (i). Just enter the known values, click Calculate, and get the result plus a full breakdown — total principal, total contributions and total interest.

本财务计算器适用于各类理财目标，例如子女教育基金、退休储蓄计划、贷款规划等。
如果你想要根据自己的实际情况获得一对一财务规划建议，欢迎与我联系，我们一同打造更稳健的理财蓝图！This calculator works for many goals — a child’s education fund, a retirement savings plan, loan planning and more.
Want 1-on-1 financial planning advice for your own situation? Get in touch and let’s build a more solid financial blueprint together!

报酬披露Remuneration Disclosure

如果你选择通过我与 FA Advisory 安排保险、单位信托基金或 PRS，我可能从相关产品供应商获得佣金。有关佣金与财务规划收费分开计算，不会抵扣或取代规划费用。我也会在执行前说明相关安排与可能产生的利益冲突。完整说明请参阅 YFD 怎么赚钱。If you choose to arrange insurance, unit trusts or PRS through me and FA Advisory, I may receive commission from the relevant product provider. This commission is calculated separately from the financial-planning fee and does not offset or replace the planning fee. I will also explain the relevant arrangement and potential conflict of interest before implementation. Read How YFD Makes Money for the full disclosure.

资料来源与查证说明Sources & Verification

本工具使用标准金钱时间价值（Time Value of Money）公式计算未来价值、现值、每期供款、期数与利率，属于财务学通用数学模型，不涉及特定机构或产品数据。计算结果仅为数学估算，不构成投资回报保证。资料查证于 2026 年 8 月 12 日。This tool uses the standard time-value-of-money formulas to compute future value, present value, payment, number of periods and interest rate — a general financial mathematics model, not tied to any specific institution or product. Results are mathematical estimates only and do not represent a guaranteed return. Verified 12 August 2026.