Mutual Fund Calculator
比较SIP(系统投资计划)与一次性投资回报,显示逐年增长预测。
关于此工具
共同基金计算器是投资者比较不同投资策略的必备工具。该计算器允许您模拟和比较系统性投资计划（SIP）的收益——即定期投资固定金额——与一次性投资的收益，帮助您了解哪种策略更适合您的财务目标和风险承受能力。
使用此工具，请输入初始投资金额（用于一次性投资）或月度投资金额（用于SIP）、预期年收益率和投资期限（以年为单位）。计算器生成年度增长预测，显示您的资金如何随时间复利增长，并并排显示投资本金和获得的收益，便于您直接比较结果。
常见问题
代码实现
def lump_sum_future_value(principal: float, annual_rate: float, years: int) -> float:
"""Calculate future value of a lump sum investment."""
return principal * (1 + annual_rate / 100) ** years
def sip_future_value(monthly: float, annual_rate: float, years: int) -> float:
"""Calculate future value of SIP (Systematic Investment Plan)."""
r = annual_rate / 12 / 100 # monthly rate
n = years * 12 # total months
if r == 0:
return monthly * n
return monthly * ((1 + r) ** n - 1) / r * (1 + r)
# Example
principal = 100_000
monthly_sip = 5_000
annual_return = 12 # %
years = 10
ls_value = lump_sum_future_value(principal, annual_return, years)
sip_value = sip_future_value(monthly_sip, annual_return, years)
sip_invested = monthly_sip * 12 * years
print(f"Lump Sum: ₹{principal:,.0f} → ₹{ls_value:,.0f} (returns: ₹{ls_value-principal:,.0f})")
print(f"SIP: ₹{sip_invested:,.0f} invested → ₹{sip_value:,.0f} (returns: ₹{sip_value-sip_invested:,.0f})")Comments & Feedback
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