核心资产复利计算
输入本金、月投入、收益率和年限，查看本金与收益如何随时间增长。
累计本金
$0
累计收益
$0
未来资产
$0
改进点：支持月初/月末投入，避免把年限强制改成隐藏值，并且所有计算都经过输入校验。
Suggested target
Build a 12-month emergency reserve first, then invest monthly toward a 10-year core portfolio goal.
Improvement steps
- Set a monthly contribution that can survive income changes.
- Review the expected return every year instead of changing it after market noise.
- Increase the contribution after every salary raise before lifestyle spending rises.
CAGR / 定投年化计算
区分一次性投入和周期投入，避免只看总收益率而误判表现。
累计本金
$0
总收益率
0.00%
真实年化
0.00%
改进点：定投模式使用二分法求解收益率，并处理亏损、零本金、极端收益率等边界情况。
Suggested target
Keep long-term annualized return above your personal benchmark, such as inflation plus 3%.
Improvement steps
- Compare CAGR or contribution IRR against a broad market benchmark.
- Separate new cash contributions from investment gains before judging performance.
- Rebalance or simplify assets that lag the benchmark for several review periods.
通胀购买力计算
查看未来现金折算到今天的购买力，以及要维持购买力需要准备多少名义金额。
未来实际购买力
$0
购买力损失
0.00%
等值未来金额
$0
改进点：同时给出“缩水后的购买力”和“保持购买力所需的未来金额”，决策信息更完整。
Suggested target
Protect retirement or education goals so real purchasing power remains at least 80% of today's value.
Improvement steps
- Use a conservative inflation rate for essential expenses.
- Match long-term goals with assets that can reasonably outpace inflation.
- Update the target amount yearly as prices and life plans change.
延迟消费未来价值
把被省下来的消费转换成定期投资，估算长期复利结果。
累计省下本金
$0
累计收益
$0
未来资产
$0
改进点：预设和自定义输入分离，金额、频率、收益率、年限都可以独立调整。
Suggested target
Turn one avoidable recurring expense into an automatic investment habit for at least 12 months.
Improvement steps
- Choose one expense that is easy to reduce without harming daily life.
- Create an automatic transfer for the same amount and frequency.
- Check progress monthly, then raise the saved amount when the habit feels stable.