02 // 可视化数学、三角与金融求解器Real Value = FV_nominal / (1 + π)^t
通货膨胀侵蚀与实际购买力缩水可视化工具
对比账面名义存款金额与扣除通胀后的实际购买力，直观理解物价上涨如何悄悄稀释闲置现金。
Real Value = FV_nominal / (1 + π)^t输入数值与参数 (4)
$
1000$±1000500000$
$
0$±503000$
%
0.5%±0.2512%
yr
1yr±140yr
Terminal Value (FV)
$219,804
2× wealth multiplier
Pure Compound Earnings
$109,804
50% of ending balance
Total Cash Contributed
$110,000
$50,000 seed + $60,000 deposits
4% Rule Safe Income
$733/mo
$8,792/yr perpetual withdrawal
20 行数值对照表
对比变量：
| # | Starting Capital ($) | Future Portfolio Value (FV) | Total Contributions | Compound Growth |
|---|---|---|---|---|
| 01 | 1,000 $ | $99,487 | $61,000 | $38,487 |
| 02 | 27,000 $ | $163,329 | $87,000 | $76,329 |
| 03 | 54,000 $ | $229,626 | $114,000 | $115,626 |
| 04 | 80,000 $ | $293,468 | $140,000 | $153,468 |
| 05 | 106,000 $ | $357,311 | $166,000 | $191,311 |
| 06 | 132,000 $ | $421,153 | $192,000 | $229,153 |
| 07 | 159,000 $ | $487,450 | $219,000 | $268,450 |
| 08 | 185,000 $ | $551,292 | $245,000 | $306,292 |
| 09 | 211,000 $ | $615,134 | $271,000 | $344,134 |
| 10 | 237,000 $ | $678,977 | $297,000 | $381,977 |
| 11 | 264,000 $ | $745,274 | $324,000 | $421,274 |
| 12 | 290,000 $ | $809,116 | $350,000 | $459,116 |
| 13 | 316,000 $ | $872,958 | $376,000 | $496,958 |
| 14 | 342,000 $ | $936,801 | $402,000 | $534,801 |
| 15 | 369,000 $ | $1,003,098 | $429,000 | $574,098 |
| 16 | 395,000 $ | $1,066,940 | $455,000 | $611,940 |
| 17 | 421,000 $ | $1,130,782 | $481,000 | $649,782 |
| 18 | 447,000 $ | $1,194,625 | $507,000 | $687,625 |
| 19 | 474,000 $ | $1,260,922 | $534,000 | $726,922 |
| 20 | 500,000 $ | $1,324,764 | $560,000 | $764,764 |
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常见问题解答 (FAQ)
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