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</nav> <div class="container"> <h1>💰 复利计算�?/h1> <div class="card"> <div class="input-group"> <label for="input---------">初始本金 (�?</label> <input type="number" id="principal" value="100000" min="0" aria-label="数字输入�? placeholder="请输入数字输入框" /> </div> <div class="input-group"> <label for="input--------">年利�?(%)</label> <input type="number" id="rate" value="5" min="0" step="0.1" aria-label="数字输入�? placeholder="请输入数字输入框" /> </div> <div class="input-group"> <label for="input-----">投资年限</label> <input type="number" id="years" value="10" min="1" max="50" aria-label="数字输入�? placeholder="请输入数字输入框" /> </div> <div class="input-group"> <label>复利频率</label> <select id="frequency"> <option value="1">每年</option> <option value="2">每半�?/option> <option value="4">每季�?/option> <option value="12" selected>每月</option> <option value="365">每天</option> </select> </div> <div class="input-group"> <label for="input-----------">每月追加投资 (�?</label> <input type="number" id="monthly" value="1000" min="0" aria-label="数字输入�? placeholder="请输入数字输入框" /> </div> <div class="result"> <div class="result-main" id="total">--</div> <div class="result-detail"> <div class="detail-item"> <div class="detail-value" id="totalPrincipal">--</div> <div class="detail-label">投入本金</div> </div> <div class="detail-item"> <div class="detail-value" id="totalInterest">--</div> <div class="detail-label">利息收益</div> </div> </div> </div> <div class="chart"> <div class="chart-title">资产增长曲线</div> <div class="bar-container" id="chart"></div> </div> </div> </div> <script> function calculate() { const P = parseFloat(document.getElementById("principal").value) || 0; const r = parseFloat(document.getElementById("rate").value) / 100; const t = parseInt(document.getElementById("years").value) || 1; const n = parseInt(document.getElementById("frequency").value); const monthly = parseFloat(document.getElementById("monthly").value) || 0; // 复利公式: A = P(1 + r/n)^(nt) + PMT * [((1 + r/n)^(nt) - 1) / (r/n)] const rn = r / n; const nt = n * t; const compoundFactor = Math.pow(1 + rn, nt); let total = P * compoundFactor; if (monthly > 0 && rn > 0) { total += monthly * ((compoundFactor - 1) / rn); } else if (monthly > 0) { total += monthly * nt; } const totalPrincipal = P + monthly * 12 * t; const totalInterest = total - totalPrincipal; document.getElementById("total").textContent = "¥" + total.toLocaleString("zh-CN", { maximumFractionDigits: 2 }); document.getElementById("totalPrincipal").textContent = "¥" + totalPrincipal.toLocaleString("zh-CN", { maximumFractionDigits: 0 }); document.getElementById("totalInterest").textContent = "¥" + totalInterest.toLocaleString("zh-CN", { maximumFractionDigits: 0 }); // 绘制图表 const years = []; for (let i = 0; i <= t; i++) { const yn = n * i; const cf = Math.pow(1 + rn, yn); let value = P * cf; if (monthly > 0 && rn > 0) value += monthly * ((cf - 1) / rn); else if (monthly > 0) value += monthly * yn; years.push({ year: i, value }); } const maxValue = Math.max(...years.map((y) => y.value)); document.getElementById("chart").innerHTML = years .map( (y) => `<div class="bar" style="height: ${(y.value / maxValue) * 100}%"><span class="bar-label">${y.year}�?/span></div>` ) .join(""); } document .querySelectorAll("input, select") .forEach((el) => el.addEventListener("input", calculate)); calculate(); // Theme toggle function toggleTheme() { const html = document.documentElement; const currentTheme = html.getAttribute("data-theme"); const newTheme = currentTheme === "light" ? "dark" : "light"; html.setAttribute("data-theme", newTheme); document.getElementById("theme-icon").textContent = newTheme === "light" ? "☀�? : "🌙"; localStorage.setItem("theme", newTheme); } // Load saved theme const savedTheme = localStorage.getItem("theme") || "dark"; if (savedTheme === "light") { document.documentElement.setAttribute("data-theme", "light"); document.getElementById("theme-icon").textContent = "☀�?; } </script> </body> </html>