{"{0}":"{0}","₹{0} crore":"₹{0} crore","₹{0} lakh":"₹{0} lakh","0%":"0%","12% legacy / historical":"12%既有／歷史","18%":"18%","28% legacy / historical":"28%既有／歷史","40% special rate":"40%特殊稅率","5%":"5%","A = P(1 + r/m)^(mt). Fractional compounding periods use the same power formula; a bank may use a different broken-period rule. Simple payout interest is not reinvested and is shown separately.":"A = P(1 + r/m)^(mt)。不足完整複利期間仍使用相同的冪次公式；銀行可能採用不同的零碎期間計算規則。單利支付的利息不會再投資，並會另外顯示。","Actual interest uses the lowest balance between the close of the 5th day and month end. Opening dates, later deposits, education withdrawals and early closure can change the amount. Account-opening eligibility must be checked separately.":"實際利息採用第5天結束時至月底期間的最低餘額計算。開戶日期、後續存款、教育用途提款及提前結清都可能改變金額。是否符合開戶資格須另行確認。","Add GST to a net amount":"在淨額中加上GST","Additional service months":"額外服務月數","After 5 April, before month end":"4月5日後、月底前","Amount (₹ display units)":"金額（₹顯示單位）","Annual deposit (₹)":"年度存款（₹）","Annual deposit date":"年度存款日期","Annual EPF interest rate (%)":"EPF年度利率（%）","Annual exempt HRA":"年度免稅HRA","Annual HRA received (₹)":"年度HRA收入（₹）","Annual interest rate (%)":"年利率（%）","Annual payments (none)":"年度付款（無）","Annual rent paid (₹)":"年度租金（₹）","Annual salary for HRA (₹)":"HRA年度薪資（₹）","Annual salary growth (%)":"年度薪資成長（%）","Annual step-up (%)":"年度增加幅度（%）","Annual taxable HRA":"年度應稅HRA","Australia — 10%":"澳洲—10%","Balance":"餘額","Balance (₹)":"餘額（₹）","Banks may deduct TDS from interest under applicable rules. TDS is a withholding, not necessarily your final tax. This estimate does not compute TDS or income tax.":"銀行可能依適用規則從利息中扣除TDS。TDS是預扣款，不一定等於您的最終稅額。本估算不計算TDS或所得稅。","Bars: {0}. Dots: {1}.":"長條：{0}。圓點：{1}。","Basic + DA":"基本薪資＋DA","Beginning of each month":"每月月初","Beginning-of-period deposits earn that month's return.":"期間開始時存入的款項可賺取當月報酬。","Both scenarios use monthly growth at the annual rate divided by 12. The comparison SIP invests the same total amount in equal monthly instalments; the one-time investment is fully invested at the start.":"兩種情境都以年報酬率除以12計算每月成長。比較用SIP將相同總額分成相等的每月分期投入；一次性投資則在開始時全額投入。","By 5 April":"4月5日前","Canada — 5% federal GST":"加拿大—5%聯邦GST","Cap employer's contribution wage at ₹15,000":"將雇主提撥薪資上限設為₹15,000","Car loan EMI":"汽車貸款EMI","CGST":"CGST","Chart scale: {0} to {1}":"圖表刻度：{0}至{1}","Chart: {0}, from year {1} to {2}. Values are in the table below.":"圖表：{0}，第{1}年至第{2}年。數值列於下方表格。","Choose a PPF extension in whole five-year blocks.":"請以完整的5年區段選擇PPF延長期間。","Choose one of the available calculation options.":"請選擇其中一個可用的計算選項。","Compare Indian income tax regimes":"比較印度所得稅制度","Compare the repayment commitment before taking an unsecured loan. Processing fees and insurance can raise the borrowing cost above the quoted interest rate.":"申辦無擔保貸款前，請先比較還款負擔。手續費和保險可能使借款成本高於報價利率。","Comparison SIP timing":"比較用SIP投入時機","Completed service years":"已完成服務年數","Compounding / payout":"複利／支付","Continue annual deposits during extensions":"延長期間繼續年度存款","Contribution split by year (monthly amounts)":"按年度的提撥拆分（每月金額）","Corpus depleted after {0} months.":"資金在{0}個月後耗盡。","Counted service years":"計入的服務年數","Current age":"目前年齡","Custom rate — enter above":"自訂利率—請在上方輸入","Delhi, Mumbai, Kolkata or Chennai — 50%":"德里、孟買、加爾各答或清奈—50%","Deposit timing":"存款時機","Deposit value":"存款價值","Deposits":"存款","Deposits (none)":"存款（無）","Deposits are made for 15 years and the account matures at 21 years from opening. This estimate assumes each annual deposit arrives by 5 April and earns a full year of interest, credited annually. There are no deposits in years 16–21.":"存款持續15年，帳戶自開戶起滿21年到期。本估算假設每筆年度存款都在4月5日前存入，並賺取完整一年的利息，按年計入。第16年至第21年不再存款。","Deposits over 15 years":"15年內的存款","Download CSV":"下載CSV","Download monthly CSV":"下載每月CSV","Editable default, as notified for {0}. Check the latest notification before using it.":"這是依{0}公告設定的可編輯預設值。使用前請確認最新公告。","EMI calculator":"EMI計算機","Employee EPF":"員工EPF","Employer EPF":"雇主EPF","Employer EPS":"雇主EPS","End of each month":"每月底","End-of-period deposits start earning returns in the following month.":"期間結束時存入的款項從下個月開始賺取報酬。","Ending balance":"期末餘額","Enter a whole number of months or years.":"請輸入完整的月數或年數。","Enter finite numbers within the displayed limits.":"請輸入顯示範圍內的有限數值。","EPF balance":"EPF餘額","EPF calculator":"EPF計算機","EPF deposits including opening balance":"包含開戶餘額的EPF存款","EPF interest":"EPF利息","EPS contributions, excluded from corpus":"EPS提撥，不計入資金","Equivalent monthly SIP":"等值每月SIP","Estimated growth":"預估成長","Estimated maturity":"預估到期金額","Estimated maturity at 21 years":"21年時的預估到期金額","Estimated retirement EPF corpus":"預估退休EPF資金","Estimated value":"預估價值","Exempt HRA per year":"每年免稅HRA","Exemption is the least of actual HRA, rent paid minus 10% of salary (floored at zero), and 50% of salary for the four listed metros or 40% elsewhere. Salary means basic, DA forming part of retirement benefits, and turnover-based commission. You must actually pay rent for eligible accommodation.":"免稅額取實際HRA、已付租金減薪資的10%（最低為零），以及四個列出的大都會地區薪資的50%或其他地區的40%三者中的最低值。薪資包括基本薪資、列入退休福利的DA，以及按營業額計算的佣金。您必須確實為符合資格的住處支付租金。","Expected annual return (%)":"預期年報酬率（%）","Extension years after the 15-year term":"15年期後的延長年數","Extra monthly prepayment (₹)":"每月額外提前還款（₹）","FD calculator":"FD計算機","Fixed nominal rate divided by 12. Extra payments reduce the term while the scheduled EMI stays fixed. Fees and prepayment penalties are excluded.":"固定名目利率除以12。額外付款會縮短期限，但預定EMI維持不變。不包含費用和提前還款違約金。","For monthly-rated employees of employers covered by the Payment of Gratuity Act: gratuity = 15 × last monthly basic + DA × counted years ÷ 26. A part-year exceeding six months counts as another year; exactly six months does not.":"對適用《離職酬金支付法》的雇主所聘用、按月計薪的員工：離職酬金 = 15 × 最後月基本薪資＋DA × 計入年數 ÷ 26。未滿一年的期間超過6個月即算作另一年；剛好6個月則不算。","Formula gratuity before caps":"上限前的公式離職酬金","Fractional quarters use geometric accrual. Actual bank day counts, late instalments, rounding and premature closure rules can change the maturity amount.":"不足完整季的期間採幾何累積。銀行實際計息天數、延遲分期、四捨五入及提前結清規則都可能改變到期金額。","Generic / custom":"一般／自訂","Gratuity calculator":"離職酬金計算機","Gross amount":"總額","Gross amount per year":"每年總額","Growth (none)":"成長（無）","GST added = net × rate ÷ 100. GST removed = gross − gross ÷ (1 + rate ÷ 100). Presets change only the rate. All amounts use ₹ display units; the arithmetic works in any currency without conversion.":"加計GST = 淨額 × 稅率 ÷ 100。移除GST = 總額 − 總額 ÷ (1 + 稅率 ÷ 100)。預設選項只會變更稅率。所有金額都使用₹顯示單位；計算可適用任何貨幣，不進行換算。","GST amount":"GST金額","GST calculator":"GST計算機","GST Council official announcement":"GST委員會官方公告","GST per year":"每年GST","GST rate (%) — editable":"GST稅率（%）—可編輯","Half-yearly":"每半年","Home loan EMI":"房屋貸款EMI","HRA exemption applies under the old tax regime. This is an exemption estimate, not a calculation of tax saved.":"HRA免稅適用於舊稅制。本結果是免稅額估算，不是節省稅額的計算。","HRA exemption calculator":"HRA免稅計算機","HRA received per year":"每年HRA收入","IGST":"IGST","Illustrative gratuity accrual":"示例離職酬金累積","Income Tax Department: gratuity exemption":"所得稅局：離職酬金免稅","India":"印度","Indian slab shortcut":"印度級距快速選項","Indian tax split":"印度稅額拆分","Inter-state: IGST":"跨邦：IGST","Interest":"利息","Interest (₹)":"利息（₹）","Interest (none)":"利息（無）","Interest / growth":"利息／成長","Interest earned":"賺取的利息","Interest is calculated on the lowest balance between the close of the 5th day and month end, then credited annually. A deposit by 5 April earns all 12 months; a later April deposit earns 11. No withdrawals are modelled.":"利息以第5天結束時至月底期間的最低餘額計算，並按年計入。4月5日前存入的款項可賺取完整12個月利息；4月較晚存入的款項可賺取11個月。不模擬提款。","Interest paid":"已付利息","Interest paid out":"已支付利息","Interest saved by prepayment":"提前還款節省的利息","Interest under Section 24(b) may qualify for a deduction subject to the property, tax regime and statutory conditions. This page does not calculate that deduction.":"第24(b)條下的利息可能符合扣除資格，須視房產、稅制及法定條件而定。本頁不計算該項扣除。","Intra-state: CGST + SGST":"邦內：CGST＋SGST","Investment value":"投資價值","Last monthly basic salary + DA (₹)":"最後月基本薪資＋DA（₹）","Loan amount (₹)":"貸款金額（₹）","Lumpsum calculator":"一次性投資計算機","Lumpsum value":"一次性投資價值","Maturity value":"到期價值","Maximum projection years":"最長預測年數","Month":"月","Monthly":"每月","Monthly amortisation table":"每月攤還表","Monthly basic salary + DA (₹)":"每月基本薪資＋DA（₹）","Monthly contribution split; EPS is excluded from the EPF balance":"每月提撥拆分；EPS不計入EPF餘額","Monthly growth is applied before the month-end withdrawal. The last withdrawal may be smaller than requested. Constant returns ignore market volatility, inflation and tax.":"每月成長會在月底提款前套用。最後一次提款可能低於要求金額。固定報酬未考慮市場波動、通膨及稅額。","Monthly instalment (₹)":"每月分期付款（₹）","Monthly loan payments; amounts in ₹":"每月貸款付款；金額以₹計","Monthly SIP (₹)":"每月SIP（₹）","Monthly withdrawal (₹)":"每月提款（₹）","Months":"月數","Months to repay":"還款月數","Net amount":"淨額","Net amount per year":"每年淨額","New Zealand — 15%":"紐西蘭—15%","No depletion within {0} months under these assumptions; this does not guarantee indefinite withdrawals.":"在這些假設下，{0}個月內不會耗盡；這不代表可以保證無限期提款。","Official rate source":"官方利率來源","One-time investment (₹)":"一次性投資（₹）","Opening EPF balance (₹)":"期初EPF餘額（₹）","Operation":"操作","Other places — 40%":"其他地區—40%","Payment":"付款","Payment (₹)":"付款（₹）","Personal loan EMI":"個人貸款EMI","PPF balance":"PPF餘額","PPF calculator":"PPF計算機","Principal":"本金","Principal (₹)":"本金（₹）","Principal balance":"本金餘額","Principal repaid":"已償還本金","Principal returned at maturity":"到期返還本金","Quarterly (common bank default)":"每季（銀行常見預設）","Quarterly compounding, with instalments at the beginning of each month. M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)], where i = annual rate (%) ÷ 400 and n is the number of months. At zero interest, M = P × n.":"每季複利，每月月初付款。M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)]，其中i = 年利率（%）÷ 400，n為月數。利率為零時，M = P × n。","Range: {0}–{1}":"範圍：{0}–{1}","Rate preset":"利率預設值","RD calculator":"RD計算機","Remaining corpus":"剩餘資金","Remaining loan balance":"剩餘貸款餘額","Remove GST from a gross amount":"從總額中移除GST","Residence":"居住地","Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.":"結果僅為估算。利率、付款日期、費用及稅額都可能改變實際金額。","Retirement age":"退休年齡","Retirement age must be greater than your current age.":"退休年齡必須大於目前年齡。","Rule 1: actual HRA":"規則1：實際HRA","Rule 2: rent less 10% salary":"規則2：租金減薪資的10%","Rule 3: salary percentage":"規則3：薪資百分比","Scheduled EMI":"預定EMI","SGST":"SGST","Simple interest payout":"單利支付","SIP calculator":"SIP計算機","SIP value":"SIP價值","SSY balance":"SSY餘額","Starting corpus (₹)":"起始資金（₹）","Sukanya Samriddhi calculator":"Sukanya Samriddhi計算機","SWP calculator":"SWP計算機","Taxable HRA per year":"每年應稅HRA","Tenure":"期限","Tenure (months)":"期限（月）","Tenure unit":"期限單位","The ₹20 lakh tax-exempt ceiling is subject to the applicable conditions and prior exempt gratuity. This page shows the formula amount before statutory caps; it does not determine eligibility or tax. Five years of continuous service is generally required, with exceptions such as death or disablement.":"₹20 lakh的免稅上限須符合適用條件，且須考量先前的免稅離職酬金。本頁顯示法定上限前的公式金額；不判定資格或稅額。一般需要連續服務5年，但死亡或失能等情況除外。","The annual deposit must be within the scheme limits.":"年度存款必須在計畫規定的限額內。","The annual return is divided by 12 for monthly growth. A step-up increases each monthly deposit after every completed year. Investment returns vary and are not guaranteed.":"年報酬率除以12後用於每月成長。每完成一年後，增加幅度會提高每月存款。投資報酬會變動，且不保證。","The annual table repeats one identical net amount each year at the entered rate. It is a budgeting scenario, with no compounding or prediction of future tax rates.":"年度表格以輸入的稅率，每年重複相同的淨額。這是預算情境，不包含複利，也不預測未來稅率。","The calculation is outside the supported range.":"計算值超出支援範圍。","The employee contributes 12% of basic + DA to EPF. The employer contributes 12% of the selected wage base: EPS takes 8.33% of wages capped at ₹15,000, and the rest enters EPF. EPS is a pension contribution and is excluded from this corpus.":"員工將基本薪資＋DA的12%提撥至EPF。雇主按選定薪資基準提撥12%：EPS提撥薪資的8.33%，上限為₹15,000，其餘進入EPF。EPS是退休金提撥，不計入此資金。","The model uses 15 complete financial years and optional five-year extensions. Statutory maturity is 15 years from the end of the opening financial year, so your opening date can add an initial partial year. Extensions with deposits require the prescribed election.":"此模型使用15個完整會計年度，並提供可選的5年延長期間。法定到期日為開戶會計年度結束後15年，因此開戶日期可能增加最初的不完整年度。延長期間若要存款，必須依規定提出選擇。","The September 2025 changes introduced main rates of 5% and 18%, plus a special 40% rate. This shortcut list is not a goods classification guide; special rates and exceptions require the applicable notification. 12% and 28% are retained for historical calculations.":"2025年9月的變更引入5%和18%的主要稅率，以及40%的特殊稅率。此快速選項清單不是貨品分類指南；特殊稅率和例外情況須依適用公告辦理。12%和28%則保留供歷史計算使用。","The year-by-year table applies your last salary to each counted service year. It shows an illustrative formula accrual, not an annual payment or entitlement before eligibility. Special employee categories may use different rules.":"逐年表格將您的最後薪資套用至每個計入的服務年度。表格顯示的是示例公式累積金額，不是符合資格前的年度付款或應得權利。特殊員工類別可能適用不同規則。","This assumes an eligible EPS member, employee contributions on full salary and the selected employer wage base throughout the projection. EPS eligibility, higher pension options and age-related changes are not modelled. Contributions arrive at month end; interest accrues on monthly opening balances and is credited annually. Salary rises once a year.":"此估算假設投保人符合EPS資格、員工以全薪提撥，且整個預測期間都使用選定的雇主薪資基準。不模擬EPS資格、較高退休金選項及年齡相關變更。提撥款於月底入帳；利息以每月期初餘額累積，並按年計入。薪資每年增加一次。","Total deposited":"存款總額","Total interest":"利息總額","Total invested":"投資總額","Total invested in each scenario":"各情境投資總額","Total paid":"付款總額","Total payments":"付款總額","Total withdrawn":"提款總額","Use figures for the same eligible period. If salary, rent or residence changes, calculate each period separately. The annual table repeats the entered assumptions; it does not predict future eligibility.":"請使用同一符合資格期間的數據。若薪資、租金或居住地有所變更，請分別計算各期間。年度表格會重複輸入的假設，不預測未來資格。","Use the financed amount after your down payment and trade-in. Insurance and running costs are outside this loan estimate.":"請使用支付頭期款及折抵車款後的融資金額。保險和使用成本不包含在此貸款估算中。","Withdrawals":"提款","Year":"年","Year {0}: {1}":"第{0}年：{1}","Year-by-year results":"逐年結果","Year-by-year table; amounts in ₹":"逐年表格；金額以₹計","Yearly":"每年","Years":"年數","Years {0} to {1}":"第{0}年至第{1}年","Years in the repeated-amount scenario":"重複金額情境的年數","Years with the same annual inputs":"使用相同年度輸入值的年數"}