🔧 banking工具

🎯 储蓄目标月存额PMT = FV·i / [(1+i)^N − 1] 🏦 单利利息I = P × r × t ⚖️ 存贷利差平衡点存 X、贷 (1−X) 时净息为 0 🏧 定期存款（按季复利）A = P(1 + r/4)^(4t) 📅 按日计息I = P × r × 天数 / 365 📐 有效年利率 (EAR)EAR = (1 + r/n)^n − 1 💵 未来金额折现PV = FV / (1 + r)^t 💳 等额本息月供 (EMI)EMI = P·i·(1+i)^N / [(1+i)^N − 1] 📊 贷款剩余本金B = P(1+i)^k − EMI·[(1+i)^k − 1]/i 🧮 贷款总利息总利息 = EMI×N − P ⚖️ 费雪实际利率1 + r_real = (1 + r_nom) / (1 + π) ♾️ 连续复利终值A = P·e^(rt) 📆 零存整取（按月存、季复利）M = P·[(1+i)^n − 1] / [1 − (1+i)^(−1/3)] 🔢 首月利息I₁ = P × (r/12)