💹 投资理财工具💹 Investment & Wealth Management Tools

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💹 投资理财工具💹 Investment & Wealth Management Tools

共 25个免费在线工具

复利未来值计算器Future Value Inv由现值、利率与年数求投资未来值Compute future value from present value PV, annual rate r and years n using FV = PV·(1+r)^n ROI 计算器ROI CalculatorROI = (收益 − 成本) / 成本Compute return on investment from gain and cost as a simple ratio for quick profitability comparison across projects 持有期收益率计算器Holding Period Return持有期收益率计算器。输入买入价、卖出价与期间股息，求含股息的期间总回报，用于单笔投资损益与收益率评估。Compute total return including dividends from buy price, sell price and dividends received during the holding period 债券到期收益率(近似)计算器Bond Ytm Approx由年息、面值、价格与剩余年限求近似 YTMEstimate bond yield to maturity from annual coupon C, face value F, current price P and years to maturity n using YTM ≈… 几何平均收益率计算器Geometric Mean Return由多期收益率序列求几何平均收益率Compute the compounded annual return from a series of period returns (comma or space separated) using g = (Π(1+rᵢ))^(1/… 实际收益率计算器Real Rate Return由名义收益率与通胀率求实际收益率Compute the inflation-adjusted real return r_real = (1+r_nom)/(1+i) − 1 from the nominal return and the inflation rate 年金未来值计算器Annuity Fv Inv由每期定投、利率与期数求年金终值Compute the future value of a level periodic investment from PMT, per-period rate r and period count n using FV = PMT·[… 年金现值计算器Annuity Present Value Calculator由每期现金流、利率与期数求年金现值Compute the present value of an annuity from cash flow PMT, rate r and periods n using PV = PMT·[1 − (1+r)^(−n)]/r 盈利指数计算器Profitability IndexPI = 未来现金流现值 / 初始投资Compute profitability index from the present value of benefits and the initial investment, used to rank mutually exclus… 股利支付率计算器Dividend Payout Ratio由每股股利与每股收益求股利支付率Compute dividend payout ratio DPR = DPS / EPS from dividends per share and earnings per share 投资回收期计算器Payback Period投资回收期计算器。输入各期现金流，求累计现金流由负转正的年限，即收回初始投资所需年数，用于项目流动性与风险评价。Compute the number of years for cumulative cash flows to turn positive — the time needed to recover the initial investm… 投资现值计算器Present Value Inv由未来值、贴现率与年数求现值Compute present value from future amount FV, discount rate r and years n using PV = FV / (1+r)^n 折现回收期计算器Discounted Payback折现回收期计算器。输入各期现金流与折现率，求累计折现现金流由负转正的年限，考虑时间价值的回收期评估，用于项目投资评价。Find the year when cumulative discounted cash flows turn positive from periodic cash flows and a discount rate, account… 留存收益率计算器Retention Ratio输入股利支付率 DPR，按留存收益率 b = 1 − DPR 计算利润留存比例，用于分析企业再投资能力与内源融资空间。Compute the retention ratio b = 1 − DPR from the dividend payout ratio, measuring the share of profit reinvested 索提诺比率计算器Sortino Ratio索提诺比率计算器。输入组合收益、无风险利率与下行波动，仅用下行风险衡量风险调整收益，比夏普更关注下跌，用于基金绩效评估。Compute the Sortino ratio from portfolio return, risk-free rate and downside deviation — a downside-risk-only alternati… 债券定价计算器Bond Price债券定价计算器。输入面值、票息率、到期收益率与期限，按现金流折现求债券价格，用于固定收益证券估值与交易参考。Price a bond by discounting its cash flows from face value, coupon rate, yield to maturity and term to maturity 可持续增长率计算器Sustainable Growth由净资产收益率与留存收益率求可持续增长率Compute the sustainable growth rate g = ROE × b from return on equity and retention ratio, assuming no new equity issua… 净现值计算器Npv Calc净现值（NPV）计算器。输入各期现金流与贴现率，按现值折算求净现值，NPV>0 表示可行，用于资本预算与项目评价。Compute net present value from period cash flows and a discount rate; NPV > 0 indicates an acceptable project 利差计算器Yield Spread由债券收益率与基准收益率求利差Compute the yield spread Spread = y_bond − y_bench between a bond yield and a benchmark yield for relative value and cr… 市盈率计算器Pe RatioP/E = 股价 / 每股收益Compute the price-to-earnings valuation multiple from share price and earnings per share 投资组合 β 计算器Investment Combination β Calculator由两资产权重与 β 求组合 βCompute portfolio beta β_p = Σ wᵢ·βᵢ from the weights and betas of two assets (w₁ + w₂ = 1) 股息率计算器Dividend Yield股息率 = 年股息 / 股价Compute dividend yield as annual dividend divided by share price EPS 计算器EPS CalculatorEPS = (净利润 − 优先股) / 流通股数Compute earnings per share (EPS) from net profit and shares outstanding 内部收益率计算器Irr Calc使 NPV = 0 的贴现率Compute the internal rate of return from period cash flows using bisection search for the discount rate that makes NPV… 节能寿命计算节能寿命计算器输入设备功率、日运行时间、节能率、电价与设备寿命，计算年节电量、年节能费、全寿命期节能收益、投资回报期与碳减排量，为节能改造项目的经济性评估提供量化依据。
📖关于「投资理财工具」About Investment & Wealth Management Tools▼

📝栏目简介

投资理财工具集合收录了 25 个免费在线工具，覆盖投资理财场景下的常见计算、换算与查询需求。无论你是相关领域的从业者、学生还是普通用户，都能在这里找到即用即走的实用小工具。所有工具纯前端运行，数据不上传服务器，保护隐私安全。This collection gathers 25 free online Investment & Wealth Management tools for everyday calculations, conversions and lookups. Whether you are a professional, a student or a casual user, you will find handy tools you can use right away. Everything runs client-side — no data is uploaded.

✨核心功能与适用场景

本页收录的投资理财工具包括（部分代表工具）：Featured Investment & Wealth Management tools on this page include:

  • 复利未来值计算器Future Value Inv
  • ROI 计算器ROI Calculator
  • 债券到期收益率(近似)计算器Bond Ytm Approx
  • 几何平均收益率计算器Geometric Mean Return
  • 年金未来值计算器Real Rate Return
  • 年金现值计算器Annuity Present Value Calculator
  • 盈利指数计算器Profitability Index
  • 投资回收期计算器Dividend Payout Ratio
  • 投资现值计算器Present Value Inv
  • 折现回收期计算器Discounted Payback
  • 索提诺比率计算器Retention Ratio
  • 债券定价计算器Bond Price
  • 净现值计算器Sustainable Growth
  • 利差计算器Npv Calc
  • 市盈率计算器Pe Ratio
  • 股息率计算器Investment Combination β Calculator
  • EPS 计算器Dividend Yield
  • 节能寿命计算Irr Calc

这些工具帮助你快速完成投资理财相关的常见任务，无需记忆复杂公式或手动换算，输入即可得结果。These tools help you complete Investment & Wealth Management tasks quickly — no formulas to memorise and no manual conversion, just enter your values and get the result.

❓常见问题

投资理财分类下的工具需要下载或注册吗？Do Investment & Wealth Management tools require any download or sign-up?

不需要。本页 25 个投资理财工具（如复利未来值计算器、ROI 计算器、债券到期收益率(近似)计算器、几何平均收益率计算器、年金未来值计算器、年金现值计算器）都是纯前端页面，打开网页即可使用，无需安装软件、无需注册账号；输入的数据只在你的浏览器内处理，不会上传服务器。No. The 25 Investment & Wealth Management tools on this page (including Future Value Inv, ROI Calculator, Bond Ytm Approx, Geometric Mean Return, Real Rate Return, Annuity Present Value Calculator) are pure front-end pages: just open them and start using. No software to install, no account needed, and anything you enter is processed inside your browser — never uploaded.

投资理财工具的结果能直接用于医疗、法律或财务决策吗？Can the results be used directly for medical, legal or financial decisions?

不能直接作为决策依据。本页工具多为通用计算、换算与查询，结果仅供日常参考；涉及诊断、诉讼、投资、工程验收等专业场景，请以权威标准、原始仪器读数或持证专业人士的结论为准。所有运算都在本地完成，数据不上传。No — treat them as everyday references only. Most tools here are general-purpose calculators, converters and lookups; for diagnosis, litigation, investment or engineering acceptance, rely on authoritative standards, raw instrument readings or a licensed professional. Everything is computed locally and nothing is uploaded.