Mutual Fund Calculator

Expense ratios compound against you silently. See growth net of fees — and the dollar cost of choosing 0.9% ER over 0.05%.

Initial investment

Annual addition

Gross annual return

Expense ratio

Years

Portfolio value

$546,341.02

How the Mutual Fund Calculator works

The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:

What expense ratio is cheap?

Broad index funds run 0.02–0.10%; active funds average near 0.65%+. Every 1% of annual fees consumes roughly 20%+ of a 40-year portfolio's potential.

Load funds?

Sales loads (up-front or back-end) come straight off returns. No-load share classes dominate for self-directed investors.