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。

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.