ETF定投模拟器 — 复利增长计算器 | money-calc.com

免费ETF定投模拟器。输入初始投资、月供、收益率和费率，查看最终余额和逐年增长图表。

计入成本拖累的按月复利

定额定投（DCA）完全按实际做法建模：每月初投入一笔固定金额，随后整个余额按一个月的收益增长。成本并非事后才考虑——费用率会在任何复利发生之前先从年收益中扣除，这正是费用拖累在数十年的投入中悄悄对你不利地累积的方式。

以假设收益给出的算例

以1,000 $起步，每月加投300 $，假设收益率7 %、费用率0.03 %：15年后余额在已投入55,000 $的基础上达到98,228.20 $——盈利43,228.20 $。把同一计划改用1 %的费用率重新运行，结果约为90,135.94 $，少约8,100 $，唯一改变的就是费用。收益率是示意性假设，并非预测；仅供参考。

How to Use

  1. Initial Investment — Enter any lump-sum amount to invest today
  2. Monthly Contribution — Enter your planned monthly DCA amount
  3. Annual Return Rate — Enter expected annualized return (e.g. 7% for broad market index)
  4. Expense Ratio — Enter the fund's annual expense ratio (e.g. 0.03% for low-cost ETFs)
  5. Calculate — Click Calculate to see final balance, total gain, and year-by-year growth

FAQ

What is dollar-cost averaging (DCA)?

DCA means investing a fixed amount at regular intervals regardless of price. By buying more shares when prices are low and fewer when high, it smooths out market volatility over time.

How does the expense ratio affect returns?

The expense ratio is subtracted from your annual return. A 1% expense ratio on a 7% return gives an effective 6% return. Over 30 years this can reduce your final balance by 25% or more.

Should I invest a lump sum or DCA?

Lump-sum investing outperforms DCA about 2/3 of the time in rising markets. But DCA reduces regret and timing risk. This calculator lets you model both strategies.