DCA 定期投入

How to use

Run a clean first pass

1. Enter your monthly investment amount, initial deposit, expected annual return, and time period.
2. Adjust the return rate and period to model different scenarios.
3. Read the final portfolio value and total return from the summary chart.

Examples

Real jobs this page helps with

• 30-year retirement modelSet $500/month, 7% annual return, 30 years to see long-term compounding in action.
• Short-term savings goalModel a 3-year target with a larger monthly contribution and conservative 4% return.

FAQ

What people usually want to know

What is dollar-cost averaging?

DCA means investing a fixed amount at regular intervals regardless of price, which reduces the impact of market timing over time.

Does the calculator account for taxes?

No — results show pre-tax growth. Factor in capital gains tax or tax-advantaged account effects separately.

使用方式

先完成一次順手的操作

1. 輸入每月投入金額、初始本金、預期年化報酬率與投資年限。
2. 調整滑桿模擬不同回報率與年限的情境。
3. 查看圖表中的最終資產與總報酬數字。

常見情境

這個工具實際適合拿來做什麼

• 退休規劃試算輸入每月 15,000 元、年化報酬 7%、投資 30 年，查看長期複利效果。
• 短期目標模擬以較高月投金額與保守 4% 報酬率，試算 3 年存款計畫。

常見問題

先把常見疑問說清楚

定期定額是什麼？

定期定額指在固定時間投入固定金額，不管市場漲跌，能降低擇時風險、平均持倉成本。

計算結果有含稅嗎？

沒有，結果為稅前數字，請另行考量資本利得稅或退休帳戶的稅務影響。