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Mutual Fund Calculator

Fund growth after expense ratios and sales loads.

Calculators Reviews Free · no sign-up
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With no fees at all

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This fund

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The cheaper fund

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YearInvestedThis fundCheaper fundFee gap

Final value after fees

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Total invested—
Growth after fees—
Net annual return—

What the fees cost

Expense ratio drag—
Sales loads paid—
Total cost of fees—
As a share of the pot—

Quick Tool Overview

The Mutual Fund Calculator projects a fund holding with regular contributions and applies the expense ratio and any sales load properly, showing the balance with and without fees so an abstract percentage becomes a number you can weigh.

What it does
Projects fund growth and shows what fees actually cost
You give it
An investment, contributions, a return, a term and the fees
You get back
The final balance with and without fees, and the difference
Best for
Comparing funds and understanding expense ratios
Calculators Free, unlimited use No sign-up Runs in your browser

About the Mutual Fund Calculator

Enter your initial investment, regular contributions, expected return and time horizon to project a mutual fund holding. The expense ratio and any front or back-end load are applied properly, so the result is what you would actually end up with.

Fees are the reason this calculator exists in its own right rather than as a generic growth projection. An expense ratio is charged on the whole balance every year, so it grows as your money does, and over decades a difference of one percent between two otherwise identical funds can consume a substantial fraction of the final value. The calculator shows the balance with and without fees side by side, which turns an abstract percentage into a number you can weigh.

Key features of the Mutual Fund Calculator

Fee drag quantified

One percent a year over thirty years can consume roughly a quarter of the final value, shown as a figure rather than a warning.

Sales loads modelled

A five percent front load means only ninety-five percent of your money is ever invested, and that has to be earned back.

Expense ratio on the whole balance

Charged annually on everything, so the fee grows as your money does — modelled correctly rather than as a flat deduction.

Regular contributions

A lump sum plus monthly investing, which is how most people actually hold funds.

Side-by-side comparison

Two funds with different fees on the same assumptions, so the only difference is the one that matters.

How to use the Mutual Fund Calculator

  1. 1

    Enter your investment

    The lump sum you start with and any regular monthly or annual contribution.

  2. 2

    Set the expected return

    The gross annual return before fees, and the number of years you will hold.

  3. 3

    Add the fees

    The expense ratio, and any front-end or back-end sales load the fund charges.

  4. 4

    Compare with and without

    The two balances side by side show exactly what the fees cost over your horizon.

Frequently asked questions

The annual fee a fund charges as a percentage of assets, deducted from returns rather than billed. It applies to the whole balance every year, so its cost grows as your investment does.

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