{"—":"—","{0}":"{0}","% of opening balance plus interest":"期初餘額加利息的百分比","% of statement balance including interest":"含利息的帳單餘額百分比","$ {0}":"$ {0}","A negative saving means refinancing costs more. Simple break-even divides upfront costs by monthly savings, rounded up; it applies only while both loans would still run. It does not compare equity or sale proceeds. Lifetime savings compare both full remaining terms without discounting future money.":"節省金額為負數，表示重新貸款的成本更高。簡易損益兩平期是以前期成本除以每月節省金額後無條件進位；僅適用於兩筆貸款都尚未清償的期間。不比較房屋淨值或出售所得。終身節省金額會比較兩筆貸款完整剩餘期限的成本，不折現未來的金額。","A person with children under 25 cannot also be childless. Check the care-insurance choices.":"有25歲以下子女的人不能同時選擇無子女。請檢查長照保險選項。","A plan does not reduce the balance enough to pay it off within 1,200 months (after the promotion for a transfer). Its total cost and savings are not shown. Increase the payment.":"此方案無法在1,200個月內將餘額降至清償完畢（餘額轉移則是在優惠期結束後計算）。因此不顯示總成本和節省金額。請提高付款金額。","Amortisation table — {0} payments":"攤銷表——{0}期付款","Annual":"每年","Annual APR (%)":"年利率APR（%）","Annual gross income ($)":"年總收入（$）","Annual gross pay":"年度總薪資","Annual growth rate (%)":"年成長率（%）","Annual mortgage rate (%)":"年房貸利率（%）","Annual property tax (% of price)":"年度房屋稅（房價的%）","Back-end total debt limit (%)":"後端總負債上限（%）","Baden-Württemberg":"巴登-符騰堡","Balance ($)":"餘額（$）","Balance after promotion ($)":"優惠期後餘額（$）","Bavaria":"巴伐利亞","Berlin":"柏林","Biweekly":"每兩週","Biweekly (every two weeks)":"每兩週（每兩週一次）","Brandenburg":"布蘭登堡","Bremen":"不來梅","Care insurance (PV)":"長照保險（PV）","Cash amount":"現金金額","Cash needed ($)":"所需現金（$）","Cash needed is down payment plus estimated closing costs. It excludes moving costs, reserves and any prepaid items not included in your estimate. The example percentages do not establish eligibility for a loan.":"所需現金包括頭期款和預估成交成本，但不包含搬家費、預備金，以及估算中未列入的任何預付項目。範例百分比不代表符合貸款資格。","CFPB: debt-to-income planning guidelines":"CFPB：負債收入比規劃指引","CFPB: minimum-payment disclosure requirements":"CFPB：最低付款揭露要求","CFPB: private mortgage insurance":"CFPB：私人房貸保險","Child allowances (Kinderfreibeträge)":"子女免稅額（Kinderfreibeträge）","Children under 25 (care insurance)":"25歲以下子女（長照保險）","Choose a first payment date":"選擇首次付款日期","Church member":"教會成員","Church tax":"教會稅","Closing costs (% of price)":"成交成本（房價的%）","Closing costs ($)":"成交成本（$）","Closing costs and points are paid upfront. Both loans use the same balance and fixed monthly principal-and-interest payments. Taxes, insurance, cash-out, penalties and financed fees are excluded.":"成交成本和貸款點數於前期支付。兩筆貸款使用相同餘額，以及固定的每月本金與利息付款。不包含稅金、保險、套現金額、罰金和融資費用。","Closing costs excluding points ($)":"不含點數的成交成本（$）","Compare a balance transfer":"比較餘額轉移","Compare down payments for the same home":"比較同一間房屋的頭期款","Compare mortgage refinancing":"比較房貸轉貸","Conventional loans with less than 20% down commonly require private mortgage insurance (PMI), which protects the lender and adds to your costs.":"頭期款低於20%的傳統貸款通常需要私人房貸保險（PMI），這項保險可保障貸款機構，但會增加您的成本。","Copy pay conversion":"複製薪資換算結果","Current":"目前","Current annual rate (%)":"目前年利率（%）","Current APR (%)":"目前APR（%）","Current balance ($)":"目前餘額（$）","Current loan balance ($)":"目前貸款餘額（$）","Daily":"每日","Doubling time at constant annual rates, in years":"固定年利率下的翻倍時間（年）","Doubling time from a rate":"依利率計算翻倍時間","Down (%)":"頭期款（%）","Down payment (%)":"頭期款（%）","Down payment ($)":"頭期款（$）","Each minimum is the larger of the chosen percentage rule and the floor, capped at the amount owed. Try 1% plus interest, or 2–3% of the statement balance. Interest is APR / 12 each month. No new spending or fees are included; use your card agreement for its actual rule.":"每期最低付款金額取所選百分比規則與最低金額中的較大值，但不會超過欠款金額。您可以嘗試1%加利息，或帳單餘額的2–3%。每月利息為APR / 12。不包含新增消費或費用；實際規則請以信用卡合約為準。","Employee / month":"員工／每月","Employee / year":"員工／每年","Employer / month":"雇主／每月","Employer / year":"雇主／每年","Employer columns show social-insurance contributions only. They exclude accident insurance, levies and other employer costs. Church tax uses the PAP's child-adjusted base; church-tax caps and special church fees are excluded.":"雇主欄位僅顯示社會保險提撥，不包含意外保險、徵費及其他雇主成本。教會稅使用PAP調整子女免稅額後的基準；不包含教會稅上限及特殊教會費用。","Enter a positive rate or doubling time within the displayed limits.":"請輸入顯示範圍內的正值利率或翻倍時間。","Enter a valid first payment date.":"請輸入有效的首次付款日期。","Enter a whole term from 1 to 1,200 months.":"請輸入1到1,200個月的整數期限。","Enter down payment as":"輸入頭期款形式","Enter euros without thousands separators. Annual pay assumes regular earnings throughout the year. Use the state that applies to your payroll; cross-state arrangements may differ.":"請輸入不含千位分隔符號的歐元金額。年度薪資假設全年收入固定。請選擇適用於您薪資計算的聯邦州；跨州安排可能有所不同。","Enter finite, non-negative values within the displayed limits.":"請輸入顯示範圍內的有限且非負數值。","Enter valid amounts and choices. Use up to two decimal places and no thousands separators.":"請輸入有效的金額並選擇選項。最多可使用小數點後兩位，且不要輸入千位分隔符號。","Equivalent hourly pay":"等值時薪","Estimate for 2026; wage tax computed with the official PAP 2026; check your payslip":"2026年估算；薪資稅依官方PAP 2026計算；請核對您的薪資單","Estimate net pay":"估算實領薪資","Estimated cash needed ($)":"預估所需現金（$）","Exact":"精確值","Exact annual compounding (%)":"精確年複利（%）","Exact annual compounding (years)":"精確年複利（年）","Excluded: private health insurance, gross pay up to €2,000 per month (Minijobs and Midijobs), factor-method taxation, pensions, one-off payments and age relief.":"不包含：私人健康保險、每月毛薪資不超過€2,000的工作（Minijobs和Midijobs）、因子法課稅、退休金、一次性給付及高齡減免。","Extra each month ($)":"每月額外付款（$）","Extra every 12th payment ($)":"每第12期額外付款（$）","Extras go towards principal with the scheduled payment. Yearly extras start at payment 12; a one-time extra after payoff has no effect. The regular payment is estimated from the balance and remaining term. No recasting, escrow or prepayment penalty is included.":"額外付款會與預定付款一同用於償還本金。每年額外付款從第12期開始；清償後的一次性額外付款不會產生效果。一般付款金額是依餘額和剩餘期限估算。不包含重新計算貸款、代管帳戶或提前還款罰金。","Factor-method taxation, pensions, one-off payments and age relief are outside this estimator's scope.":"因子法課稅、退休金、一次性給付及高齡減免不在此估算工具的範圍內。","Federal state":"聯邦州","Find":"尋找","First minimum payment ($)":"首次最低付款金額（$）","First monthly payment breakdown":"首次每月付款明細","First scheduled payment date":"首次預定付款日期","Fixed monthly payment to compare ($)":"要比較的固定每月付款（$）","Fixed payment":"固定付款","For rate r expressed as a decimal, exact years = ln(2) / ln(1 + r). Exact rate = 100 × (2^(1/years) − 1). The shortcuts divide 72, 70 or 69.3 by a percentage rate or by years. They are approximations; 69.3 is close to continuous compounding. Zero or negative growth does not double a positive balance. No contributions, fees or taxes are included.":"若利率r以小數表示，精確年數＝ln(2) / ln(1 + r)。精確利率＝100 × (2^(1/years) − 1)。簡易算法是以72、70或69.3除以百分比利率或年數。這些都是近似值；69.3接近連續複利。零成長或負成長不會使正餘額翻倍。不包含投入金額、費用或稅金。","From today until each loan is paid off":"從今天起直到各筆貸款清償完畢","Front-end housing limit (%)":"前端住房上限（%）","Fund's full Zusatzbeitrag (%)":"保險基金完整附加保費（%）","German gross-to-net estimator":"德國毛薪資轉實領薪資估算工具","Gross pay":"毛薪資","Gross pay (€)":"毛薪資（€）","Gross pay by period, in the same currency":"以相同貨幣計算的各期總薪資","Gross pay in your currency":"以您的貨幣計算的總薪資","Hamburg":"漢堡","Health insurance":"健康保險","Health insurance (KV)":"健康保險（KV）","Hesse":"黑森","HOA":"HOA","Home insurance":"房屋保險","Home price ($)":"房價（$）","Hourly":"每小時","Hourly to salary":"時薪轉年薪","Hours actually worked per year":"每年實際工作時數","How much house can I afford?":"我負擔得起多少價位的房屋？","I":"I","I am childless and aged 23 or over":"我沒有子女，且年滿23歲","II":"II","III":"III","Interest":"利息","Interest ($)":"利息（$）","Interest saved ($)":"節省利息（$）","Interest saved with fixed payment ($)":"固定付款下節省的利息（$）","Investor.gov: compound interest and the Rule of 72":"Investor.gov：複利與72法則","Item":"項目","IV":"IV","Keep current card":"保留目前的信用卡","Lifetime saving after fees ($)":"扣除費用後的終身節省金額（$）","Loan":"貸款","Loan ($)":"貸款（$）","Loan amount ($)":"貸款金額（$）","Loan term (months)":"貸款期限（月）","Lower Saxony":"下薩克森","Maximum home price ($)":"最高房價（$）","Mecklenburg-Western Pomerania":"梅克倫堡-西波美拉尼亞","Minimum floor ($)":"最低金額（$）","Minimum only":"僅付最低金額","Minimum payments versus a fixed payment":"最低付款與固定付款比較","Minimum percentage (%)":"最低百分比（%）","Minimum-payment rule":"最低付款規則","Month":"月份","Monthly":"每月","Monthly amounts with all selected extras":"包含所有選定額外付款的每月金額","Monthly HOA dues ($)":"每月HOA費用（$）","Monthly home insurance ($)":"每月房屋保險（$）","Monthly housing total ($)":"每月住房總額（$）","Monthly net estimate":"每月實領薪資估算","Monthly P&I ($)":"每月本金與利息（$）","Monthly payment in either plan ($)":"任一方案的每月付款（$）","Monthly payment to clear during promotion ($)":"優惠期內清償所需的每月付款（$）","Monthly PITI ($)":"每月PITI（$）","Monthly PMI ($)":"每月PMI（$）","Monthly saving ($)":"每月節省金額（$）","Months":"個月","Months saved":"節省月數","Mortgage payoff planner":"房貸清償規劃工具","My income is regular salary without factor-method taxation, pension payments, one-off payments or age relief":"我的收入是固定薪資，不包含因子法課稅、退休金給付、一次性給付或高齡減免","Net pay":"實領薪資","New":"新的","New annual rate (%)":"新年利率（%）","New payoff date":"新的清償日期","New term (months)":"新期限（月）","New total interest ($)":"新的總利息（$）","No":"否","North Rhine-Westphalia":"北萊茵-威斯特法倫","Not available":"無法提供","Not paid off":"尚未清償","Not reached during both terms":"兩個期限內皆未達成","Not tax advice.":"本工具不構成稅務建議。","One-time extra payment ($)":"一次性額外付款（$）","One-time payment number":"一次性付款期數","Other monthly debt payments ($)":"其他每月債務付款（$）","Paid hours per week":"每週有薪工作時數","Paid leave must leave some working time in the year.":"有薪休假必須讓每年仍保留一些工作時間。","Paid public holidays (days per year)":"有薪國定假日（每年天數）","Paid vacation (days per year)":"有薪休假（每年天數）","Paid weeks include paid holidays and vacation; subtract unpaid weeks before entering the figure. Enter paid leave days without overlap. Leave reduces hours actually worked, not gross pay. Weekly, biweekly and monthly views average annual pay over 52, 26 and 12 periods; semimonthly uses 24. Daily pay uses your entered working days per week.":"有薪週數包含有薪國定假日和休假；輸入數值前請扣除無薪週數。有薪休假天數請勿重複計算。休假會減少實際工作時數，但不會減少總薪資。每週、每兩週和每月檢視會分別將年薪平均分配到52、26和12個期間；半月制使用24個期間。每日薪資會使用您輸入的每週工作天數。","Paid weeks per year, including paid leave":"每年有薪週數，包含有薪休假","Parents remain exempt from the childless surcharge even when their children are 25 or older. Children under 25 count separately for reductions from the second to the fifth child. Leave the childless box unticked if you are under 23.":"即使子女已滿25歲，父母仍可免繳無子女附加費。第二名至第五名子女的減免，會分別計入25歲以下子女。若您未滿23歲，請不要勾選無子女欄位。","Pay and deductions in euros":"以歐元計算的薪資與扣款","Pay and tax":"薪資與稅款","Pay per hour actually worked":"每小時實際工作薪資","Pay period":"薪資期間","Payment ($)":"付款（$）","Payment number":"付款期數","Payments and fees ($)":"付款和費用（$）","Payments remaining":"剩餘付款期數","Payoff comparison":"清償比較","Pension insurance (RV)":"退休保險（RV）","Percentage":"百分比","Period":"期間","Plan":"方案","Plan your down payment":"規劃您的頭期款","PMI":"PMI","Points (% of loan balance)":"點數（貸款餘額的%）","Post-promotion APR (%)":"優惠期後APR（%）","Principal":"本金","Principal ($)":"本金（$）","Private — outside scope":"私人保險—不在範圍內","Private health insurance is outside this estimator's scope.":"私人健康保險不在此估算工具的範圍內。","Promotional APR (%)":"優惠APR（%）","Promotional months":"優惠期月數","Property tax":"房屋稅","Rate (%)":"利率（%）","Rate from a doubling time":"依翻倍時間計算利率","Regular monthly P&I ($)":"一般每月本金與利息（$）","Related pay calculators":"相關薪資計算機","Remaining mortgage balance ($)":"剩餘房貸餘額（$）","Remaining term (months)":"剩餘期限（月）","Results":"結果","Rhineland-Palatinate":"萊茵蘭-普法茲","Rule of 69.3":"69.3法則","Rule of 69.3 (%)":"69.3法則（%）","Rule of 69.3 (years)":"69.3法則（年）","Rule of 70":"70法則","Rule of 70 (%)":"70法則（%）","Rule of 70 (years)":"70法則（年）","Rule of 72":"72法則","Rule of 72 (%)":"72法則（%）","Rule of 72 (years)":"72法則（年）","Saarland":"薩爾蘭","Salary to hourly":"年薪轉時薪","Saving with transfer ($)":"轉移後節省金額（$）","Saxony":"薩克森","Saxony-Anhalt":"薩克森-安哈特","Schleswig-Holstein":"石勒蘇益格-荷爾斯泰因","Semimonthly":"每半月","Semimonthly (twice a month)":"每半月（每月兩次）","Simple break-even (months)":"簡易損益兩平期（月）","Social insurance":"社會保險","Solidarity surcharge":"團結附加稅","Statutory":"法定","Target doubling time (years)":"目標翻倍時間（年）","Tax class":"稅級","The CARD Act added minimum-payment disclosures. Subject to exceptions, credit card statements show a minimum-payment warning, estimated payoff time and total cost, and a three-year repayment comparison. This estimate is not an issuer's statutory disclosure.":"CARD法案新增最低付款揭露要求。除例外情況外，信用卡帳單會顯示最低付款警告、預估清償時間和總成本，以及三年還款比較。此估算不是發卡機構依法應提供的揭露內容。","The default Zusatzbeitrag is the 2026 average of 2.9%. Enter your fund's full rate; you and your employer each pay half. This estimate assumes statutory pension and unemployment insurance.":"預設附加保費為2026年的平均值2.9%。請輸入您所屬保險基金的完整費率；您與雇主各負擔一半。本估算假設採用法定退休保險與失業保險。","The down payment cannot exceed the home price.":"頭期款不得超過房價。","The editable 28% / 36% defaults are a commonly cited conventional planning guideline, not lender rules. Housing includes principal, interest, property tax, insurance, HOA and the PMI amount you enter. PMI is not removed automatically at 20% down.":"可編輯的28% / 36%預設值是常見的傳統規劃指引，不是貸款機構的規則。住房成本包括本金、利息、房屋稅、保險、HOA，以及您輸入的PMI金額。頭期款達20%時，PMI不會自動移除。","The transfer fee is added to the balance and receives the same APR. Interest is APR / 12 on the opening monthly balance, before payment. The post-promotion APR starts the month after the promotional period. No new purchases, annual fees or missed payments are included.":"轉移費會加到餘額中，並適用相同APR。利息是在付款前，以期初每月餘額乘以APR / 12計算。優惠期後APR從優惠期結束後的下一個月開始。不包含新增消費、年費或逾期付款。","These limits leave no affordable purchase with the entered down payment and housing costs. Reduce other debts or costs, or revise the income and limits.":"以輸入的頭期款和住房成本計算，在這些上限內沒有可負擔的購屋方案。請降低其他債務或成本，或修改收入和上限。","This estimator does not model the transition range. Monthly gross must be above €2,000; Minijobs and Midijobs are excluded.":"此估算工具不計算過渡區間。每月毛薪資必須高於€2,000；不包含Minijobs和Midijobs。","Thuringia":"圖林根","Total deductions / contributions":"扣款／提撥總額","Total interest ($)":"總利息（$）","Total paid ($)":"總付款（$）","Total paid includes the original debt, interest and the transfer fee where applicable. A negative saving means the transfer costs more. The promotion payoff payment is rounded up to the next cent; actual card interest and payment rules can differ.":"總付款包括原始債務、利息，以及適用時的轉移費。節省金額為負數，表示轉移的成本更高。優惠期清償付款金額會無條件進位至下一分；實際信用卡利息和付款規則可能不同。","Transfer balance":"轉移餘額","Transfer fee (%)":"轉移費（%）","Transfer fee ($)":"轉移費（$）","UK take-home pay":"英國實領薪資","Unemployment insurance (AV)":"失業保險（AV）","Upfront costs and points ($)":"前期成本和點數（$）","US paycheck after tax":"美國稅後薪資","Use the child allowance count on your tax record. It affects solidarity surcharge and church tax, not wage tax. It is not used in classes V and VI.":"請使用您稅務紀錄上的子女免稅額人數。這會影響團結附加稅與教會稅，但不影響薪資稅。稅級V和VI不使用此數值。","Use the weekly pay calculator, biweekly pay calculator and monthly salary calculator views to compare gross amounts. No tax, overtime premium, pension or other deductions are calculated. If you change the period, the entered amount is interpreted in that period.":"請使用每週薪資計算機、每兩週薪資計算機和每月薪資計算機檢視來比較總額。不計算稅金、加班費、退休金或其他扣除額。如果您變更期間，輸入的金額會依該期間解讀。","V":"V","VI":"VI","Wage tax":"薪資稅","Weekly":"每週","When will money double?":"資金何時會翻倍？","Working days per week":"每週工作天數","Year":"年份","Yearly figures are twelve times this monthly payslip estimate. An annual tax calculation may differ because of rounding.":"年度數值為本月薪資單估算值的12倍。年度稅額計算可能因四捨五入而有所不同。","Yearly figures use an annual PAP calculation and annual contribution ceilings. Monthly figures are rounded averages; individual payslips and row totals may differ by a few cents.":"年度數值使用年度PAP計算及年度提撥上限。每月數值為四捨五入後的平均值；個別薪資單與各列總額可能相差幾分錢。","Yearly net estimate":"每年實領薪資估算","Yes":"是"}