储蓄与投资预算 · 规划
储蓄目标
给定目标金额、你已有的钱、时间跨度和预期回报，算出所需的每月定投——并展示晚一年会让你多付出多少。
数值
- Required monthly saving
- 1,324
- Total new deposits
- 79,449
- Covered by growth
- 10,551
老手的解读
值得了解
Starting one year later would raise the requirement to 1,699/month (+28%). Early months do disproportionate work.
方法说明
对未来价值方程求解定投额：C = (G − S·(1+i)^m)·i / ((1+i)^m − 1)，按每月复利、每月月末存入。
若仅当前储蓄复利就能越过目标，则所需定投为 0。
「晚一年」的比较用少 12 个月重算同一方程——一种直观看到等待成本的方式。
面向智能体
调用这个工具，而不是在上下文里硬算。传入确定性的 JSON，返回算好的数值加上基准解读。 完整智能体文档 →
curl -s https://xearno.tools/api/v1/tools/savings-goal \
-H 'content-type: application/json' \
-d '{"goal":100000,"current":10000,"years":5,"rate":4}'Schema： GET /api/v1/tools/savings-goal · MCP 工具名： savings_goal
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