複利計算器 / Compound Interest Calculator
計算自定義年份複利投資效果與被動收入目標 / Calculate Custom Years Compound Investment Effects & Passive Income Goals
投資參數設定 / Investment Parameters
一次性投入的初始資金金額
每個月定期投入的資金金額
預期的年平均投資回報率（如股市長期平均約7%）
選擇預設年限或自定義投資時間長度
希望達到的每月被動收入目標
計算結果 / Calculation Results
請填寫投資參數並點擊計算
Fill in investment parameters and click calculate
複利計算器使用說明 / Compound Calculator Instructions：
- • 起始資金 / Initial Investment：一次性投入的初始金額，如存款或投資本金 / One-time initial amount invested, such as deposits or investment principal
- • 每月投入 / Monthly Contribution：每個月定期投資的金額，建立投資習慣 / Regular monthly investment amount to build investment habits
- • 年回報率 / Annual Return Rate：預期年平均回報率，股市長期約7%，債券約3-5% / Expected annual average return rate, stock market long-term about 7%, bonds about 3-5%
- • 投資年限 / Investment Years：可選擇5-40年或自定義投資時間長度 / Choose 5-40 years or customize investment time period
- • 複利效應 / Compound Effect：投資收益再投資產生的複合增長效果 / Compound growth effect from reinvesting investment returns
- • 被動收入目標 / Passive Income Target：希望達到的每月穩定收入金額 / Desired monthly stable income amount
- • 所需資本 / Required Capital：基於回報率計算達成目標所需的投資金額 / Investment amount needed to achieve target based on return rate
- • 風險提醒 / Risk Warning：實際投資收益可能因市場波動而有所不同 / Actual investment returns may vary due to market volatility
投資建議 / Investment Advice：複利是長期投資的最大優勢，建議結合MBTI投資性格測試，制定適合自己的投資策略。根據你想要的被動收入計算需要多少年來規劃財務自由之路。早開始、持續投入、耐心等待是複利投資的三大關鍵。不同年限適合不同投資策略：短期（5-10年）偏向穩健，中期（15-25年）可平衡配置，長期（30+ years）可更積極成長。
Compound interest is the greatest advantage of long-term investing. It's recommended to combine with MBTI investment personality testing to develop suitable investment strategies. Calculate how many years you need based on your desired passive income to plan your path to financial freedom. Starting early, continuous investment, and patient waiting are the three keys to compound investing. Different time periods suit different investment strategies: short-term (5-10 years) tends toward stability, medium-term (15-25 years) allows balanced allocation, long-term (30+ years) can be more aggressively growth-oriented.