存款计算器

复制import math

# 整存整取：到期一次性还本付息
# 参数：本金(元)，年利率(%)，存期(月)
def lump_sum_deposit(principal, annual_rate, months):
    rate = annual_rate / 100
    interest = principal * rate * months / 12
    return round(interest, 2)

# 示例：10万元，3年期，年利率2.75%
print(lump_sum_deposit(100000, 2.75, 36))  # 8250.0

# 零存整取：每月固定存入，到期一次性支取本息
# 参数：每月存入金额(元)，年利率(%)，存期(月)
def installment_deposit(monthly_amount, annual_rate, months):
    rate = annual_rate / 100 / 12  # 月利率
    # 等差数列求和公式：利息 = 月存金额 × 月利率 × (存期+1)/2 × 存期
    interest = monthly_amount * rate * (months + 1) / 2 * months
    return round(interest, 2)

# 示例：每月存1000元，1年期，年利率1.35%
print(installment_deposit(1000, 1.35, 12))  # 87.75

# 通知存款：提前通知后支取，按实际存期计息
# 参数：本金(元)，年利率(%)，存期(天)
def call_deposit(principal, annual_rate, days):
    rate = annual_rate / 100
    interest = principal * rate * days / 365
    return round(interest, 2)

# 示例：50万元，7天通知存款，年利率1.0%，存30天
print(call_deposit(500000, 1.0, 30))  # 410.96

复制package main

import (
	"fmt"
	"math"
)

// 整存整取利息计算
func lumpSumInterest(principal float64, annualRate float64, months int) float64 {
	rate := annualRate / 100
	interest := principal * rate * float64(months) / 12
	return math.Round(interest*100) / 100
}

// 零存整取利息计算（等差数列法）
func installmentInterest(monthlyAmount float64, annualRate float64, months int) float64 {
	monthlyRate := annualRate / 100 / 12
	interest := monthlyAmount * monthlyRate * float64(months+1) / 2 * float64(months)
	return math.Round(interest*100) / 100
}

// 通知存款利息计算
func callDepositInterest(principal float64, annualRate float64, days int) float64 {
	rate := annualRate / 100
	interest := principal * rate * float64(days) / 365
	return math.Round(interest*100) / 100
}

func main() {
	// 整存整取：10万，2.75%，3年
	fmt.Println(lumpSumInterest(100000, 2.75, 36)) // 8250

	// 零存整取：每月1000，1.35%，1年
	fmt.Println(installmentInterest(1000, 1.35, 12)) // 87.75

	// 通知存款：50万，1.0%，30天
	fmt.Println(callDepositInterest(500000, 1.0, 30)) // 410.96
}

复制// 整存整取利息
function lumpSumInterest(principal, annualRate, months) {
  const rate = annualRate / 100;
  const interest = principal * rate * months / 12;
  return Math.round(interest * 100) / 100;
}

// 零存整取利息（等差数列公式）
function installmentInterest(monthlyAmount, annualRate, months) {
  const monthlyRate = annualRate / 100 / 12;
  const interest = monthlyAmount * monthlyRate * (months + 1) / 2 * months;
  return Math.round(interest * 100) / 100;
}

// 通知存款利息
function callDepositInterest(principal, annualRate, days) {
  const rate = annualRate / 100;
  const interest = principal * rate * days / 365;
  return Math.round(interest * 100) / 100;
}

// 示例
console.log(lumpSumInterest(100000, 2.75, 36));      // 8250
console.log(installmentInterest(1000, 1.35, 12));    // 87.75
console.log(callDepositInterest(500000, 1.0, 30));   // 410.96