📈 共同基金收益计算器Mutual Fund Calculator
估算基金定投（SIP）或一次性投资的到期价值、总投入和收益，可扣除基金费率。Estimate the maturity value, amount invested and gains of a mutual fund SIP or lump-sum investment, net of the expense ratio.
使用说明与常见问题How-to & FAQ
「共同基金收益计算器」是什么？What is the Mutual Fund Calculator tool?
估算基金定投（SIP）或一次性投资的到期价值、总投入和收益，可扣除基金费率。Estimate the maturity value, amount invested and gains of a mutual fund SIP or lump-sum investment, net of the expense ratio.
如何使用「共同基金收益计算器」？How do I use the Mutual Fund Calculator tool?
在「共同基金收益计算器」中，填写「投资方式」、「金额（每月/一次性）」、「预期年化收益 %」、「投资年限」、「基金年费率 %(可选)」等参数，结果会随输入实时计算并显示在下方。In the Mutual Fund Calculator: Fill in "Investment type", "Amount (monthly / one-time)", "Expected annual return %", "Years", "Expense ratio % (optional)"; results are recalculated instantly as you type.
定投终值怎么算？How is the SIP value calculated?
按每月月初投入、月复利计算：FV = P × [(1+i)ⁿ − 1] ÷ i × (1+i)，其中 i = 年化收益 ÷ 12。实际基金收益会波动，结果仅供参考。Assuming investment at the start of each month with monthly compounding: FV = P × [(1+i)ⁿ − 1] ÷ i × (1+i), i = annual return ÷ 12. Real fund returns vary, so treat it as an estimate.
计算结果可以作为最终依据吗？Can I rely on the result?
「共同基金收益计算器」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 Mutual Fund Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「共同基金收益计算器」免费吗？需要注册吗？Is the Mutual Fund Calculator free? Do I need an account?
「共同基金收益计算器」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 Mutual Fund 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.