Mutual Fund Calculator
Project mutual fund growth with monthly contributions, an expected return, and the drag of the fund's expense ratio.
Inputs explained
- Initial Investment — The starting amount invested. Example: 10000.
- Monthly Contribution — Amount added each month. Example: 200.
- Expected Annual Return — Gross yearly return before fees, as a percentage. Example: 8.
- Expense Ratio — The fund's annual fee percentage, subtracted from returns. Example: 1.
- Years — Investment horizon in years. Example: 15.
How to use it
- Fill in the fields above — each input has a hint describing exactly what to enter
- Press Calculate to get your result instantly, right on this page
- Copy the result, save the tool to favorites, or share and embed it anywhere
Understanding the result
Example: $10,000 plus $200/month at 8% return with a 1% expense ratio grows to about $91,881.93 in 15 years on $46,000 of contributions.
Frequently asked questions
How much does the expense ratio actually cost over time? The expense ratio is deducted from the return each year before compounding, so even a 1% fee compounds against you — in the example, contributions total $46,000 but growth still reaches $91,881.93, meaning fees quietly reduce what would otherwise be a larger balance.
Does the calculator assume the expected return is guaranteed? No — the expected annual return is a flat assumption you input, not a guarantee; actual mutual fund returns vary year to year and can be negative in some years even if the long-term average matches your input.
Is the Mutual Fund Calculator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.
Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.
What information do I need? Just the following: Initial Investment, Monthly Contribution, Expected Annual Return, Expense Ratio, Years. Each field includes a hint explaining exactly what to enter.
Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.
Privacy
Everything you enter into the Mutual Fund Calculator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.