{"—":"—","{0}":"{0}","% of opening balance plus interest":"占期初余额和利息的百分比","% of statement balance including interest":"占含利息的账单余额的百分比","$ {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.":"节省金额为负表示再融资成本更高。简单盈亏平衡期是用前期成本除以每月节省金额并向上取整；这只适用于两笔贷款都尚未还清的期间。它不会比较房屋净值或出售所得。全期限节省金额比较两笔贷款的完整剩余期限，未对未来资金折现。","A person with children under 25 cannot also be childless. Check the care-insurance choices.":"有25岁以下子女的人不能同时选择无子女。请检查护理保险选项。","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.":"某个方案无法将余额降至能在1,200个月内还清的程度（余额转移需在优惠期结束后计算）。因此不显示其总成本和节省金额。请提高还款额。","Amortisation table — {0} payments":"摊还表——{0}笔还款","Annual":"每年","Annual APR (%)":"年APR（%）","Annual gross income ($)":"年总收入（$）","Annual gross pay":"年度税前工资","Annual growth rate (%)":"年增长率（%）","Annual mortgage rate (%)":"年抵押贷款利率（%）","Annual property tax (% of price)":"年度房产税（房价的%）","Back-end total debt limit (%)":"后端总债务上限（%）","Baden-Württemberg":"巴登-符腾堡州","Balance ($)":"余额（$）","Balance after promotion ($)":"优惠期后的余额（$）","Bavaria":"巴伐利亚州","Berlin":"柏林州","Biweekly":"每两周","Biweekly (every two weeks)":"每两周（每两周一次）","Brandenburg":"勃兰登堡州","Bremen":"不来梅州","Care insurance (PV)":"护理保险（PV）","Cash amount":"现金金额","Cash needed ($)":"所需现金（$）","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.":"所需现金包括首付和预估成交费用，但不包括搬家费用、储备金以及估算中未包含的任何预付项目。示例百分比不代表符合贷款资格。","CFPB: debt-to-income planning guidelines":"CFPB：债务收入比规划指南","CFPB: minimum-payment disclosure requirements":"CFPB：最低还款额披露要求","CFPB: private mortgage insurance":"CFPB：私人抵押贷款保险","Child allowances (Kinderfreibeträge)":"子女免税额（Kinderfreibeträge）","Children under 25 (care insurance)":"25岁以下子女（护理保险）","Choose a first payment date":"选择首次还款日期","Church member":"教会成员","Church tax":"教会税","Closing costs (% of price)":"成交费用（房价的%）","Closing costs ($)":"成交费用（$）","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.":"成交费用和贷款点数需预先支付。两笔贷款使用相同的余额以及固定的每月本金和利息还款额。不包括税费、保险、套现、罚金和计入贷款的费用。","Closing costs excluding points ($)":"不含贷款点数的成交费用（$）","Compare a balance transfer":"比较余额转移","Compare down payments for the same home":"比较同一套房屋的首付","Compare mortgage refinancing":"比较抵押贷款再融资","Conventional loans with less than 20% down commonly require private mortgage insurance (PMI), which protects the lender and adds to your costs.":"首付低于20%的常规贷款通常需要私人抵押贷款保险（PMI）。它用于保护贷款方，也会增加您的成本。","Copy pay conversion":"复制工资换算结果","Current":"当前","Current annual rate (%)":"当前年利率（%）","Current APR (%)":"当前APR（%）","Current balance ($)":"当前余额（$）","Current loan balance ($)":"当前贷款余额（$）","Daily":"每天","Doubling time at constant annual rates, in years":"按固定年利率计算的翻倍时间（年）","Doubling time from a rate":"根据利率计算翻倍时间","Down (%)":"首付（%）","Down payment (%)":"首付（%）","Down payment ($)":"首付（$）","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.":"每次最低还款额取所选百分比规则和最低金额中较高者，但不超过欠款金额。您可以尝试1%加利息，或账单余额的2–3%。每月利息为APR / 12。不包括新增消费或费用；实际规则请以您的信用卡协议为准。","Employee / month":"员工／月","Employee / year":"员工／年","Employer / month":"雇主／月","Employer / year":"雇主／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.":"雇主栏仅显示社会保险缴费，不包括工伤保险、征费及其他雇主成本。教会税使用PAP按子女调整后的计税基础；不包括教会税上限和特殊教会费用。","Enter a positive rate or doubling time within the displayed limits.":"请输入显示范围内的正数利率或翻倍时间。","Enter a valid first payment date.":"请输入有效的首次还款日期。","Enter a whole term from 1 to 1,200 months.":"请输入1到1,200个月之间的整数期限。","Enter down payment as":"首付输入方式","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.":"请输入不带千位分隔符的欧元金额。年度工资按全年收入保持稳定计算。请选择适用于您工资结算的州；跨州安排可能有所不同。","Enter finite, non-negative values within the displayed limits.":"请输入显示范围内的有限非负数值。","Enter valid amounts and choices. Use up to two decimal places and no thousands separators.":"请输入有效的金额并选择有效选项。最多保留两位小数，且不要使用千位分隔符。","Equivalent hourly pay":"等效时薪","Estimate for 2026; wage tax computed with the official PAP 2026; check your payslip":"2026年估算；工资税按官方PAP 2026计算；请核对您的工资单","Estimate net pay":"估算净工资","Estimated cash needed ($)":"预估所需现金（$）","Exact":"精确值","Exact annual compounding (%)":"精确年度复利（%）","Exact annual compounding (years)":"精确年度复利（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.":"不包括：私人医疗保险、每月不超过€2,000的工资（Minijobs和Midijobs）、因子法计税、养老金、一次性付款和年龄减免。","Extra each month ($)":"每月额外还款（$）","Extra every 12th payment ($)":"每第12笔还款额外支付（$）","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.":"额外还款会与计划还款一起用于偿还本金。年度额外还款从第12笔还款开始；还清贷款后的一次性额外还款不会产生影响。常规还款额根据余额和剩余期限估算。不包括重新摊还、托管账户或提前还款罚金。","Factor-method taxation, pensions, one-off payments and age relief are outside this estimator's scope.":"因子法计税、养老金、一次性付款和年龄减免不在此估算工具的范围内。","Federal state":"联邦州","Find":"查找","First minimum payment ($)":"首次最低还款额（$）","First monthly payment breakdown":"首月还款明细","First scheduled payment date":"首次计划还款日期","Fixed monthly payment to compare ($)":"用于比较的固定月供（$）","Fixed payment":"固定还款","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.":"对于以小数表示的利率r，精确年数=ln(2) / ln(1 + r)。精确利率=100 × (2^(1/years) − 1)。快捷算法用72、70或69.3除以百分比利率或年数。这些都是近似值；69.3接近连续复利。零增长或负增长不会使正余额翻倍。不包括追加资金、费用或税费。","From today until each loan is paid off":"从今天起直到每笔贷款还清","Front-end housing limit (%)":"前端住房支出上限（%）","Fund's full Zusatzbeitrag (%)":"保险基金的完整附加费（%）","German gross-to-net estimator":"德国税前转税后工资估算工具","Gross pay":"税前工资","Gross pay (€)":"税前工资（€）","Gross pay by period, in the same currency":"按周期计算的同一货币税前工资","Gross pay in your currency":"以您的货币表示的税前工资","Hamburg":"汉堡州","Health insurance":"医疗保险","Health insurance (KV)":"医疗保险（KV）","Hesse":"黑森州","HOA":"HOA","Home insurance":"房屋保险","Home price ($)":"房价（$）","Hourly":"每小时","Hourly to salary":"时薪换算年薪","Hours actually worked per year":"每年实际工作小时数","How much house can I afford?":"我能负担多贵的房子？","I":"I","I am childless and aged 23 or over":"我没有子女，且年龄在23岁或以上","II":"II","III":"III","Interest":"利息","Interest ($)":"利息（$）","Interest saved ($)":"节省的利息（$）","Interest saved with fixed payment ($)":"固定还款下节省的利息（$）","Investor.gov: compound interest and the Rule of 72":"Investor.gov：复利和72法则","Item":"项目","IV":"IV","Keep current card":"保留当前信用卡","Lifetime saving after fees ($)":"扣除费用后的全期限节省金额（$）","Loan":"贷款","Loan ($)":"贷款（$）","Loan amount ($)":"贷款金额（$）","Loan term (months)":"贷款期限（月）","Lower Saxony":"下萨克森州","Maximum home price ($)":"最高房价（$）","Mecklenburg-Western Pomerania":"梅克伦堡-前波美拉尼亚州","Minimum floor ($)":"最低金额（$）","Minimum only":"仅最低还款","Minimum payments versus a fixed payment":"最低还款与固定还款的比较","Minimum percentage (%)":"最低百分比（%）","Minimum-payment rule":"最低还款规则","Month":"月","Monthly":"每月","Monthly amounts with all selected extras":"包含所有已选额外还款的月度金额","Monthly HOA dues ($)":"每月HOA费用（$）","Monthly home insurance ($)":"每月房屋保险（$）","Monthly housing total ($)":"每月住房总支出（$）","Monthly net estimate":"月度净工资估算","Monthly P&I ($)":"每月本金和利息（$）","Monthly payment in either plan ($)":"任一方案的月供（$）","Monthly payment to clear during promotion ($)":"优惠期内还清所需的月供（$）","Monthly PITI ($)":"每月PITI（$）","Monthly PMI ($)":"每月PMI（$）","Monthly saving ($)":"每月节省金额（$）","Months":"月数","Months saved":"节省月数","Mortgage payoff planner":"抵押贷款还清规划器","My income is regular salary without factor-method taxation, pension payments, one-off payments or age relief":"我的收入是固定工资，不涉及因子法计税、养老金支付、一次性付款或年龄减免","Net pay":"税后工资","New":"新方案","New annual rate (%)":"新年利率（%）","New payoff date":"新的还清日期","New term (months)":"新期限（月）","New total interest ($)":"新的总利息（$）","No":"否","North Rhine-Westphalia":"北莱茵-威斯特法伦州","Not available":"不可用","Not paid off":"未还清","Not reached during both terms":"两种期限内均未达到","Not tax advice.":"本工具不构成税务建议。","One-time extra payment ($)":"一次性额外还款（$）","One-time payment number":"一次性还款笔数","Other monthly debt payments ($)":"其他每月债务还款（$）","Paid hours per week":"每周带薪小时数","Paid leave must leave some working time in the year.":"带薪休假后，每年仍须保留一些工作时间。","Paid public holidays (days per year)":"带薪公共假日（每年天数）","Paid vacation (days per year)":"带薪休假（每年天数）","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.":"带薪周数包括带薪公共假日和休假；输入前请扣除无薪周数。输入带薪休假天数时不要重复计算。休假会减少实际工作小时数，但不会减少税前工资。每周、每两周和每月视图分别将年工资平均分摊到52、26和12个周期；每半月视图使用24个周期。每日工资使用您输入的每周工作天数。","Paid weeks per year, including paid leave":"每年带薪周数（包括带薪休假）","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.":"即使子女已满25岁或以上，父母仍可免缴无子女附加费。第2个至第5个子女的减免分别计算。若您未满23岁，请不要勾选无子女选项。","Pay and deductions in euros":"以欧元计的工资和扣除额","Pay and tax":"工资和税费","Pay per hour actually worked":"实际工作时薪","Pay period":"工资周期","Payment ($)":"还款额（$）","Payment number":"还款笔数","Payments and fees ($)":"还款和费用（$）","Payments remaining":"剩余还款笔数","Payoff comparison":"还款方案比较","Pension insurance (RV)":"养老保险（RV）","Percentage":"百分比","Period":"周期","Plan":"方案","Plan your down payment":"规划首付","PMI":"PMI","Points (% of loan balance)":"贷款点数（贷款余额的%）","Post-promotion APR (%)":"优惠期后APR（%）","Principal":"本金","Principal ($)":"本金（$）","Private — outside scope":"私人保险——不在范围内","Private health insurance is outside this estimator's scope.":"私人医疗保险不在此估算工具的范围内。","Promotional APR (%)":"优惠APR（%）","Promotional months":"优惠期（月数）","Property tax":"房产税","Rate (%)":"利率（%）","Rate from a doubling time":"根据翻倍时间计算利率","Regular monthly P&I ($)":"常规每月本金和利息（$）","Related pay calculators":"相关工资计算器","Remaining mortgage balance ($)":"剩余抵押贷款余额（$）","Remaining term (months)":"剩余期限（月）","Results":"结果","Rhineland-Palatinate":"莱茵兰-普法尔茨州","Rule of 69.3":"69.3法则","Rule of 69.3 (%)":"69.3法则（%）","Rule of 69.3 (years)":"69.3法则（年）","Rule of 70":"70法则","Rule of 70 (%)":"70法则（%）","Rule of 70 (years)":"70法则（年）","Rule of 72":"72法则","Rule of 72 (%)":"72法则（%）","Rule of 72 (years)":"72法则（年）","Saarland":"萨尔州","Salary to hourly":"年薪换算时薪","Saving with transfer ($)":"余额转移节省金额（$）","Saxony":"萨克森州","Saxony-Anhalt":"萨克森-安哈尔特州","Schleswig-Holstein":"石勒苏益格-荷尔斯泰因州","Semimonthly":"每半月","Semimonthly (twice a month)":"每半月（每月两次）","Simple break-even (months)":"简单盈亏平衡期（月）","Social insurance":"社会保险","Solidarity surcharge":"团结附加税","Statutory":"法定","Target doubling time (years)":"目标翻倍时间（年）","Tax class":"税级","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 Act增加了最低还款额披露要求。除非适用例外情况，信用卡账单会显示最低还款额警示、预计还清时间和总成本，以及三年还款比较。此估算不是发卡机构依法必须提供的披露。","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.":"默认附加费为2026年的平均值2.9%。请输入您所在保险基金的完整费率；您和雇主各承担一半。本估算假设参加法定养老保险和失业保险。","The down payment cannot exceed the home price.":"首付不能超过房价。","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.":"可编辑的28% / 36%默认值是常见的常规规划指南，并非贷款方规则。住房支出包括本金、利息、房产税、保险、HOA以及您输入的PMI金额。首付达到20%时，PMI不会自动取消。","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.":"余额转移费会计入余额，并适用相同的APR。利息按还款前的月初余额以APR / 12计算。优惠期后的APR从优惠期结束后的下个月开始生效。不包括新增购买、年费或逾期还款。","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.":"按输入的首付和住房支出，这些上限下没有可负担的房屋购买方案。请减少其他债务或支出，或调整收入和上限。","This estimator does not model the transition range. Monthly gross must be above €2,000; Minijobs and Midijobs are excluded.":"此估算工具不计算过渡区间。月度税前工资必须高于€2,000；不包括Minijobs和Midijobs。","Thuringia":"图林根州","Total deductions / contributions":"扣除额／缴费总计","Total interest ($)":"总利息（$）","Total paid ($)":"总支付金额（$）","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.":"总支付金额包括原始债务、利息以及适用时的余额转移费。节省金额为负表示余额转移成本更高。优惠期内还清所需的还款额会向上取整到下一分钱；实际信用卡利息和还款规则可能不同。","Transfer balance":"转移余额","Transfer fee (%)":"转移费（%）","Transfer fee ($)":"转移费（$）","UK take-home pay":"英国税后工资","Unemployment insurance (AV)":"失业保险（AV）","Upfront costs and points ($)":"前期成本和贷款点数（$）","US paycheck after tax":"美国税后工资","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.":"请使用您税务记录中的子女免税额数量。它会影响团结附加税和教会税，但不会影响工资税。税级V和VI不使用该数量。","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.":"使用每周工资计算器、每两周工资计算器和月薪计算器视图比较税前金额。不计算税费、加班工资、养老金或其他扣除项。如果更改周期，输入的金额将按该周期解释。","V":"V","VI":"VI","Wage tax":"工资税","Weekly":"每周","When will money double?":"资金何时翻倍？","Working days per week":"每周工作天数","Year":"年","Yearly figures are twelve times this monthly payslip estimate. An annual tax calculation may differ because of rounding.":"年度数值是本月度工资单估算值的12倍。由于四舍五入，年度税费计算结果可能有所不同。","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.":"年度数值使用年度PAP计算和年度缴费上限。月度数值为四舍五入后的平均值；单张工资单和各行合计可能相差几分。","Yearly net estimate":"年度净工资估算","Yes":"是"}