)数字或日期格式化=TEXT(TODAY(),"yyyy-mm-dd")LEN(A1)统计字符长度=LEN("Hello") → 5LEFT(A1, n)左侧取 n 个字符=LEFT("Hello",2...TODAY()当前日期=TODAY()NOW()当前日期+时间=NOW()DATE(年, 月, 日)生成日期=DATE(2025,9,3)TIME(时, 分, 秒)生成时间=TIME(14,30,0)YEAR...(A1) / MONTH(A1) / DAY(A1)获取年/月/日=YEAR(TODAY()) → 2025HOUR(A1) / MINUTE(A1) / SECOND(A1)获取时间=HOUR(NOW...()) → 14DATEDIF(A1,B1,"d")计算天数差=DATEDIF("2025-01-01","2025-09-03","d")WORKDAY(A1, n)工作日计算=WORKDAY(TODAY...(),10) → 10 个工作日后的日期NETWORKDAYS(A1,B1)计算工作日天数=NETWORKDAYS(A1,B1) 6️⃣ 财务公式公式说明示例PMT(利率, 期数, 贷款额)每期还款额=