Mutual Fund Calculator

Your details

The lump sum you invest on day one.
Additional amount added to the fund each month (systematic investment plan). Set to 0 for a pure lump-sum investment.
The gross average annual return of the fund, before fees.
%
How long you plan to hold the investment.
years
Also called a front-end load. Deducted from your initial investment before any growth.
%
Contingent deferred sales charge (back-end load). Applied to the ending balance when you sell.
%
The ongoing annual management cost deducted from fund assets. Active funds average 0.5-1.0%; index funds average 0.03-0.20%.
%
Currency
Ending value
$55,699.66

Projected balance after all fees and charges

Net return$21,699.66
Net IRR7.5% / year
Total invested$34,000.00
Total fees and charges$3,085.95
Ending value$55,699.66
Total invested$34,000.00
Total fees$3,085.95

Projected ending value: $55,700 after 10 years

  • You invest $34,000 over 10 years and end up with $55,700, a net gain of $21,700.
  • Fees and charges consume 5.2% of gross growth. Lowering the expense ratio by 0.5% could meaningfully increase your final balance over a long horizon.
  • Your expense ratio of 0.75% is above the index-fund average of roughly 0.05-0.20%. Even a 0.5% difference compounds into thousands of dollars over 20+ years.

Next stepReview your fund each year: rebalance if its allocation drifts, and reinvest dividends to maximise compounding.

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