这个工具是什么？
Systematic saving builds habits; projecting balances clarifies whether goals remain realistic. This annuity future-value helper assumes identical contributions every month and reinvested interest — simplify reality but illuminate magnitude orders for emergency funds, tuition jars, or gadget budgets.
如何使用
Enter deposit amount, APR-style yearly rate, and duration. We convert to monthly rate i = r/12 and periods n = years × 12, applying FV = PMT × (((1+i)^n − 1) / i) when i > 0; otherwise FV equals contributions alone.
好处
- Contrasts against lump-sum Compound Interest scenarios.
- Encourages experimenting with small rate deltas.
常问问题
Taxes?
Not modeled — extend spreadsheets for withholding nuances.