What is a colour harmony?

A set of colours with a fixed relationship on the colour wheel — complementary, analogous, triadic and so on — that tend to look good together.

Which harmony should I use?

Complementary for bold contrast, analogous for a calm palette, triadic or tetradic for vibrant balance, and monochromatic for a subtle single-hue scheme.

What colour format is used?

The palette is generated in HSL and shown as hex codes, which you can paste directly into CSS, design tools or code.

Can I copy the colours?

Yes — click any swatch and its hex code is copied to your clipboard.

复利计算器

查看一次性存款如何通过复利增长。输入金额、利率、年数以及利息复利的频率。

Base colour

Harmony

使用方法

输入您的初始存款、年利率、年数，以及利息的复利频率——每年、每季度、每月或每日。最终余额和累计利息会随您的输入实时更新，方便您即时比较不同方案。所有计算均在您的浏览器中完成，您的数字不会被上传。

复利的运作方式是将每个周期产生的利息计入余额，这样下一个周期就能对这部分利息以及原始存款一起计息。这就是为什么余额曲线向上弯曲而不是呈直线上升：增长在自我叠加。计算方法是将本金乘以（1加上利率除以周期数），再取（周期数乘以年数）次方。

复利周期决定了利息入账的频率。按月复利的利息每年入账十二次，而不是一次，因此比按年复利的相同利率略高一些，按日复利则更进一步。此工具模拟的是让一笔整存款项自行增长；如果您计划每月追加资金，请改用SIP计算器来处理定期投入。

举例来说，以5%的年利率投资10,000，投资10年，按月复利增长至约16,470，其中约6,470为利息。同样的存款如果按年复利一次，则达到约16,289，因此更频繁的复利会带来适度的额外收益，而且随着时间跨度拉长，这种差距会进一步扩大，因为利滚利效应有更多时间累积。

以这种方式估算复利增长，有助于预测储蓄或投资可能的增长情况、比较不同利率或复利周期的账户，并理解长期持有投资的力量。这只是一个用于说明的估算，并非财务建议，整个计算过程都保留在您的设备本地进行。

示例

A blue base with the triadic rule gives blue, green and red.
Analogous palettes feel calm because the hues are close together.
Click a swatch to copy its hex code.

常见问题

What is a colour harmony?: A set of colours with a fixed relationship on the colour wheel — complementary, analogous, triadic and so on — that tend to look good together.
Which harmony should I use?: Complementary for bold contrast, analogous for a calm palette, triadic or tetradic for vibrant balance, and monochromatic for a subtle single-hue scheme.
What colour format is used?: The palette is generated in HSL and shown as hex codes, which you can paste directly into CSS, design tools or code.
Can I copy the colours?: Yes — click any swatch and its hex code is copied to your clipboard.