Mutual Fund Calculator

See how expense ratios reduce your mutual fund returns over time. Compare gross vs. net growth to understand the real cost of fund fees.

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Project how your mutual fund investment could grow over time with our free calculator, accounting for regular contributions and expected annual returns.

How It Works

This calculator projects compound growth: Future Value = Initial Investment × (1 + r)^t + Regular Contributions compounded over t years, where r is your expected annual return rate.

How to Use This Calculator

  1. Enter your initial investment amount
  2. Enter your planned regular contribution (if any)
  3. Enter expected annual return and investment horizon
  4. Click Calculate to see your projected value

Frequently Asked Questions

What return rate should I assume for a mutual fund?

This varies significantly by fund type (equity, bond, balanced); check the fund's historical average return as a reference point, understanding past performance doesn't guarantee future results.

Does this account for expense ratios or fees?

Not directly, mutual fund fees (expense ratios) reduce your effective return over time; factor this into your expected return rate for a more realistic projection.

What's the difference between SIP and lump sum investing in mutual funds?

SIP (Systematic Investment Plan) involves regular fixed contributions over time, while lump sum is a one-time investment, each has different risk and timing considerations.

Are mutual fund returns guaranteed?

No, mutual fund returns depend on market performance and are not guaranteed; this calculator provides a projection based on assumed rates, not a promise of actual returns.