💸 基金费用率计算器Expense Ratio Calculator
估算基金管理费率（费用率）多年下来吃掉多少收益：输入投资额、年化收益率、费用率和年数，给出期末价值、累计费用成本和首年费用，并可与另一只低费率基金对比。See how much a fund's expense ratio costs you over time: enter the amount, annual return, expense ratio and years to get the final value, the total cost of fees and the first-year fee — and compare with a lower-cost fund.
使用说明与常见问题How-to & FAQ
「基金费用率计算器」是什么？What is the Expense Ratio Calculator tool?
估算基金管理费率（费用率）多年下来吃掉多少收益：输入投资额、年化收益率、费用率和年数，给出期末价值、累计费用成本和首年费用，并可与另一只低费率基金对比。See how much a fund's expense ratio costs you over time: enter the amount, annual return, expense ratio and years to get the final value, the total cost of fees and the first-year fee — and compare with a lower-cost fund.
如何使用「基金费用率计算器」？How do I use the Expense Ratio Calculator tool?
在「基金费用率计算器」中，填写「投资金额」、「年化收益率（%，扣费前）」、「费用率（%/年）」、「对比基金费用率（%/年，可选）」、「投资年数」等参数，结果会随输入实时计算并显示在下方。In the Expense Ratio Calculator: Fill in "Investment amount", "Annual return before fees (%)", "Expense ratio (% per year)", "Comparison fund expense ratio (% per year, optional)", "Years invested"; results are recalculated instantly as you type.
费用率是怎么扣的？How is the expense ratio charged?
基金每天从资产中计提管理费、托管费等，按年合计就是费用率，直接体现在净值里，不会单独收费。本工具简化为每年末按余额扣一次：期末价值 = 投资额 × [(1 + 收益率) × (1 − 费用率)]^年数。A fund accrues management, custody and other fees daily out of its assets; the annual total is the expense ratio, and it shows up in the fund's price rather than as a separate bill. The tool simplifies this to one deduction from the year-end balance: final value = amount × [(1 + return) × (1 − expense ratio)]^years.
0.5% 的费用率影响大吗？Is a 0.5% expense ratio a big deal?
会随时间复利放大。按默认示例，10,000 投 20 年、年化 7%，0.5% 的费用率少赚约 3,691（约为不扣费期末价值的 9.5%），而 0.03% 只少赚约 232。It compounds over time. In the default example — 10,000 for 20 years at 7% — a 0.5% ratio costs about 3,691 (about 9.5% of the no-fee final value), while 0.03% costs only about 232.
包括哪些费用？Which fees are included?
只考虑年度费用率。申购费、赎回费、交易佣金、税费和业绩报酬等不在其中，需另行计算。Only the annual expense ratio. Front or back-end loads, trading commissions, taxes and performance fees are not included.
计算结果可以作为最终依据吗？Can I rely on the result?
「基金费用率计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Expense Ratio Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「基金费用率计算器」免费吗？需要注册吗？Is the Expense Ratio Calculator free? Do I need an account?
「基金费用率计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Expense Ratio Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.