Mutual Fund Calculator
Project a mutual fund's value after sales loads and expenses, with contributions, and see the fees and your net return.
Change the values and press Calculate to work out your own figures.
Enter what you invest, the return, the time and the fund's charges.
| Year | Value |
|---|---|
| 1 | $32,482.62 |
| 2 | $45,944.96 |
| 3 | $60,013.11 |
| 4 | $74,714.32 |
| 5 | $90,077.09 |
Show the working
- monthly growth = (1 + return − expense ratio)^(1/12) − 1
- each deposit is invested less the front load
- expenses = expense ratio on each month's average balance
How to use it
Enter what you invest, the return, the time and the fund's charges.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
monthly growth = (1 + return − expense ratio)^(1/12) − 1 invested = deposit × (1 − front load) deferred charge = rate × lower of (amount paid in, value) net return = value − amount paid in
Loads and expenses
A front load comes off each purchase; a deferred load comes off when you sell; the expense ratio is charged every year on what you hold.
Questions
What does a 2% load cost on $80,000 of purchases?
$1,600.
Formulas
monthly growth = (1 + return − expense ratio)^(1/12) − 1 invested = deposit × (1 − front load) deferred charge = rate × lower of (amount paid in, value) net return = value − amount paid in
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.