{"{0}":"{0}","₹{0} crore":"₹{0} crore","₹{0} lakh":"₹{0} lakh","0%":"0%","12% legacy / historical":"12%旧制／历史","18%":"18%","28% legacy / historical":"28%旧制／历史","40% special rate":"40%特殊税率","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)。不完整复利期间使用相同的幂公式；银行可能采用不同的不完整期间计算规则。单利付息不会再投资，并会单独显示。","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.":"实际利息按第5日结束至月末期间的最低余额计算。开户日期、后续存款、教育支取和提前销户都可能改变金额。开户资格需另行确认。","Add GST to a net amount":"在净额上加GST","Additional service months":"额外服务月数","After 5 April, before month end":"4月5日之后、月末之前","Amount (₹ display units)":"金额（₹显示单位）","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":"年度免税HRA","Annual HRA received (₹)":"年度收到的HRA（₹）","Annual interest rate (%)":"年利率（%）","Annual payments (none)":"年度付款（无）","Annual rent paid (₹)":"年度已付租金（₹）","Annual salary for HRA (₹)":"HRA年度工资（₹）","Annual salary growth (%)":"年度工资增长（%）","Annual step-up (%)":"年度递增（%）","Annual taxable HRA":"年度应税HRA","Australia — 10%":"澳大利亚—10%","Balance":"余额","Balance (₹)":"余额（₹）","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.":"银行可能根据适用规则从利息中扣除TDS。TDS是预扣款，不一定等于您的最终税额。本估算不计算TDS或所得税。","Bars: {0}. Dots: {1}.":"柱形：{0}。数据点：{1}。","Basic + DA":"基本工资＋DA","Beginning of each month":"每月月初","Beginning-of-period deposits earn that month's return.":"期初存款可获得当月收益。","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.":"两种情景都按年利率除以12计算月度增长。对比SIP将相同总金额分成等额月供投资；一次性投资则在开始时全部投入。","By 5 April":"4月5日前","Canada — 5% federal GST":"加拿大—5%联邦GST","Cap employer's contribution wage at ₹15,000":"将雇主缴费工资上限设为₹15,000","Car loan EMI":"汽车贷款EMI","CGST":"CGST","Chart scale: {0} to {1}":"图表范围：{0}至{1}","Chart: {0}, from year {1} to {2}. Values are in the table below.":"图表：{0}，第{1}年至第{2}年。数值见下表。","Choose a PPF extension in whole five-year blocks.":"请选择以完整五年为单位的PPF延长期。","Choose one of the available calculation options.":"请选择一种可用的计算选项。","Compare Indian income tax regimes":"比较印度所得税制度","Compare the repayment commitment before taking an unsecured loan. Processing fees and insurance can raise the borrowing cost above the quoted interest rate.":"申请无抵押贷款前，请比较还款负担。手续费和保险可能使借款成本高于标示利率。","Comparison SIP timing":"对比SIP时点","Completed service years":"已完成服务年数","Compounding / payout":"复利／付息","Continue annual deposits during extensions":"延长期内继续年度存款","Contribution split by year (monthly amounts)":"按年度划分的缴费（每月金额）","Corpus depleted after {0} months.":"资金池在{0}个月后耗尽。","Counted service years":"计入的服务年数","Current age":"当前年龄","Custom rate — enter above":"自定义税率—在上方输入","Delhi, Mumbai, Kolkata or Chennai — 50%":"德里、孟买、加尔各答或金奈—50%","Deposit timing":"存款时点","Deposit value":"存款金额","Deposits":"存款","Deposits (none)":"存款（无）","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.":"存款持续15年，账户自开户起满21年到期。本估算假设每笔年度存款在4月5日前到账，并获得一整年的利息，按年计入。第16至21年不再存款。","Deposits over 15 years":"15年存款","Download CSV":"下载CSV","Download monthly CSV":"下载月度CSV","Editable default, as notified for {0}. Check the latest notification before using it.":"这是根据{0}最新通知设定的可编辑默认值。使用前请查看最新通知。","EMI calculator":"EMI计算器","Employee EPF":"员工EPF","Employer EPF":"雇主EPF","Employer EPS":"雇主EPS","End of each month":"每月月末","End-of-period deposits start earning returns in the following month.":"期末存款从下个月开始获得收益。","Ending balance":"期末余额","Enter a whole number of months or years.":"请输入完整的月数或年数。","Enter finite numbers within the displayed limits.":"请输入显示范围内的有限数值。","EPF balance":"EPF余额","EPF calculator":"EPF计算器","EPF deposits including opening balance":"EPF存款（含期初余额）","EPF interest":"EPF利息","EPS contributions, excluded from corpus":"EPS缴费，不计入资金池","Equivalent monthly SIP":"等值月度SIP","Estimated growth":"预计增长","Estimated maturity":"预计到期金额","Estimated maturity at 21 years":"21年预计到期金额","Estimated retirement EPF corpus":"预计退休EPF资金池","Estimated value":"预计金额","Exempt HRA per year":"年度免税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.":"免税额取实际HRA、已付租金减工资的10%（最低为零），以及四个所列大都市工资的50%或其他地区工资的40%三者中的最低值。工资包括基本工资、计入退休福利的DA，以及按营业额计算的佣金。您必须确实为符合条件的住房支付租金。","Expected annual return (%)":"预期年回报率（%）","Extension years after the 15-year term":"15年期限后的延长年数","Extra monthly prepayment (₹)":"每月额外提前还款（₹）","FD calculator":"FD计算器","Fixed nominal rate divided by 12. Extra payments reduce the term while the scheduled EMI stays fixed. Fees and prepayment penalties are excluded.":"固定名义利率除以12。额外还款会缩短期限，但计划EMI保持不变。不包括手续费和提前还款罚金。","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.":"对于适用《酬金支付法》的雇主所雇用、按月计薪的员工：酬金 = 15 × 最后一个月的基本工资＋DA × 计入年数 ÷ 26。零头年超过六个月按一年计算；正好六个月不计为一年。","Formula gratuity before caps":"上限调整前的公式酬金","Fractional quarters use geometric accrual. Actual bank day counts, late instalments, rounding and premature closure rules can change the maturity amount.":"不完整季度采用几何累计。银行实际计息天数、延迟分期、四舍五入和提前销户规则都可能改变到期金额。","Generic / custom":"通用／自定义","Gratuity calculator":"酬金计算器","Gross amount":"总额","Gross amount per year":"年度总额","Growth (none)":"增长（无）","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.":"加收GST = 净额 × 税率 ÷ 100。扣除GST = 总额 − 总额 ÷ (1 + 税率 ÷ 100)。预设值只会改变税率。所有金额使用₹显示单位；计算可适用于任何货币，无需换算。","GST amount":"GST金额","GST calculator":"GST计算器","GST Council official announcement":"GST委员会官方公告","GST per year":"年度GST","GST rate (%) — editable":"GST税率（%）—可编辑","Half-yearly":"每半年","Home loan EMI":"住房贷款EMI","HRA exemption applies under the old tax regime. This is an exemption estimate, not a calculation of tax saved.":"HRA免税适用于旧税制。这是免税额估算，不是节税金额计算。","HRA exemption calculator":"HRA免税计算器","HRA received per year":"年度收到的HRA","IGST":"IGST","Illustrative gratuity accrual":"示例酬金累计","Income Tax Department: gratuity exemption":"所得税部门：酬金免税","India":"印度","Indian slab shortcut":"印度税率档次快捷选项","Indian tax split":"印度税额明细","Inter-state: IGST":"州际：IGST","Interest":"利息","Interest (₹)":"利息（₹）","Interest (none)":"利息（无）","Interest / growth":"利息／增长","Interest earned":"赚取的利息","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.":"利息按第5日结束至月末期间的最低余额计算，然后按年计入。4月5日前存款可赚取完整12个月利息；4月之后存款可赚取11个月利息。模型不计入支取。","Interest paid":"已付利息","Interest paid out":"已支付利息","Interest saved by prepayment":"提前还款节省的利息","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.":"根据房产、税制和法定条件，《第24(b)条》规定下的利息可能符合扣除条件。本页面不计算该项扣除。","Intra-state: CGST + SGST":"州内：CGST＋SGST","Investment value":"投资金额","Last monthly basic salary + DA (₹)":"最后一个月的基本工资＋DA（₹）","Loan amount (₹)":"贷款金额（₹）","Lumpsum calculator":"一次性投资计算器","Lumpsum value":"一次性投资金额","Maturity value":"到期金额","Maximum projection years":"最长预测年数","Month":"月份","Monthly":"每月","Monthly amortisation table":"月度摊还表","Monthly basic salary + DA (₹)":"月基本工资＋DA（₹）","Monthly contribution split; EPS is excluded from the EPF balance":"月度缴费明细；EPS不计入EPF余额","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.":"月度增长在月末支取前计入。最后一次支取金额可能小于请求金额。固定收益率不考虑市场波动、通货膨胀和税费。","Monthly instalment (₹)":"每月分期付款（₹）","Monthly loan payments; amounts in ₹":"每月贷款付款；金额单位为₹","Monthly SIP (₹)":"每月SIP（₹）","Monthly withdrawal (₹)":"每月支取（₹）","Months":"月数","Months to repay":"还款月数","Net amount":"净额","Net amount per year":"年度净额","New Zealand — 15%":"新西兰—15%","No depletion within {0} months under these assumptions; this does not guarantee indefinite withdrawals.":"按这些假设，{0}个月内不会耗尽；这不保证可以无限期支取。","Official rate source":"官方利率来源","One-time investment (₹)":"一次性投资（₹）","Opening EPF balance (₹)":"EPF期初余额（₹）","Operation":"操作","Other places — 40%":"其他地区—40%","Payment":"付款","Payment (₹)":"付款（₹）","Personal loan EMI":"个人贷款EMI","PPF balance":"PPF余额","PPF calculator":"PPF计算器","Principal":"本金","Principal (₹)":"本金（₹）","Principal balance":"本金余额","Principal repaid":"已偿还本金","Principal returned at maturity":"到期返还本金","Quarterly (common bank default)":"按季度（银行常用默认值）","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.":"按季度复利，每月月初分期付款。M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)]，其中i = 年利率（%）÷ 400，n为月数。利率为零时，M = P × n。","Range: {0}–{1}":"范围：{0}–{1}","Rate preset":"利率预设","RD calculator":"RD计算器","Remaining corpus":"剩余资金池","Remaining loan balance":"剩余贷款余额","Remove GST from a gross amount":"从总额中扣除GST","Residence":"居住地","Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.":"结果仅为估算。利率、付款日期、费用和税费可能改变实际金额。","Retirement age":"退休年龄","Retirement age must be greater than your current age.":"退休年龄必须大于当前年龄。","Rule 1: actual HRA":"规则1：实际HRA","Rule 2: rent less 10% salary":"规则2：租金减工资的10%","Rule 3: salary percentage":"规则3：工资百分比","Scheduled EMI":"计划EMI","SGST":"SGST","Simple interest payout":"单利付息","SIP calculator":"SIP计算器","SIP value":"SIP金额","SSY balance":"SSY余额","Starting corpus (₹)":"起始资金池（₹）","Sukanya Samriddhi calculator":"Sukanya Samriddhi计算器","SWP calculator":"SWP计算器","Taxable HRA per year":"年度应税HRA","Tenure":"期限","Tenure (months)":"期限（月）","Tenure unit":"期限单位","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的免税上限受适用条件及此前已免税酬金的影响。本页面显示法定上限调整前的公式金额，不判定资格或税额。通常要求连续服务五年，但死亡或残疾等情况除外。","The annual deposit must be within the scheme limits.":"年度存款必须在计划规定的限额内。","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.":"年回报率除以12后用于计算月度增长。每完成一年，递增设置会提高每月存款。投资回报会变化，且不作保证。","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.":"年度表格按输入税率，每年重复使用相同的净额。这是预算情景，不包含复利，也不预测未来税率。","The calculation is outside the supported range.":"计算结果超出支持范围。","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.":"员工将基本工资＋DA的12%缴入EPF。雇主按所选工资基数缴纳12%：EPS按工资的8.33%计提，工资基数上限为₹15,000，其余计入EPF。EPS属于养老金缴费，不计入此资金池。","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.":"模型采用15个完整财政年度，并支持可选的五年延长。法定到期日为开户财政年度结束后的15年，因此开户日期可能增加一个初始不完整年度。延长期继续存款需要按规定提出选择。","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月的变更引入了5%和18%的主要税率，以及40%的特殊税率。此快捷列表不是商品分类指南；特殊税率和例外情况需以适用通知为准。12%和28%保留用于历史计算。","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.":"逐年表格将您的最后工资应用于每个计入的服务年度。表格显示的是示例性公式累计额，不是符合资格前的年度付款或应得金额。特殊员工类别可能适用不同规则。","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.":"本估算假设参保人符合EPS资格，预测期间员工按全额工资缴费，雇主始终采用所选工资基数。模型不考虑EPS资格、更高养老金选项或与年龄相关的变化。缴费在月末到账；利息按每月期初余额累计，并按年计入。工资每年上涨一次。","Total deposited":"存款总额","Total interest":"利息总额","Total invested":"投资总额","Total invested in each scenario":"各情景投资总额","Total paid":"付款总额","Total payments":"付款总额","Total withdrawn":"支取总额","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.":"请使用同一符合条件期间的数据。如果工资、租金或居住地发生变化，请分别计算各期间。年度表格重复使用输入的假设，不预测未来资格。","Use the financed amount after your down payment and trade-in. Insurance and running costs are outside this loan estimate.":"请输入扣除首付和置换金额后的融资金额。保险和使用成本不在本贷款估算范围内。","Withdrawals":"支取","Year":"年度","Year {0}: {1}":"第{0}年：{1}","Year-by-year results":"逐年结果","Year-by-year table; amounts in ₹":"逐年表格；金额单位为₹","Yearly":"每年","Years":"年数","Years {0} to {1}":"第{0}年至第{1}年","Years in the repeated-amount scenario":"重复金额情景中的年数","Years with the same annual inputs":"使用相同年度输入的年数"}