About the Mutual Fund Calculator
Estimate mutual fund growth after the expense ratio and sales load and see how much fees cost you. This tool is free, works in your browser and needs no sign-up.
How to use the Mutual Fund Calculator
Enter the starting investment, monthly investment, expected return, expense ratio, front-end load and years.
Formula used
Net return = return − expense ratio. Future value = Start × (1 + i)^n + Monthly × ((1 + i)^n − 1) ÷ i, after the load.
Example
With Starting investment 10000, Monthly investment 300, Expected return before costs (% per year) 9, Expense ratio (% per year) 0.75, Front-end sales load (%) 0, the calculator shows: Future value = 234,074.71; Total invested = 82,000.00; Growth = 152,074.71.
Frequently asked questions
How much do fund fees matter?
Small yearly fees compound over time. A fee difference of 1% a year can reduce a long-term balance by tens of thousands.
Is the Mutual Fund Calculator free to use?
Yes. It is completely free and you can use it as many times as you like.
How accurate is the Mutual Fund Calculator?
The calculator uses standard formulas, so the maths is exact. Real life results can differ because of fees, taxes, rounding or personal factors, so treat the answer as an estimate.
Do you store the numbers I enter?
No. All calculations run in your browser. The values you type are not sent to our server.
Disclaimer: results are estimates for information only. They are not financial, medical or professional advice.