How to use the Mutual Fund Calculator
This tool shows how a fund's expense ratio reduces your final balance over time.
Open the Mutual Fund Calculator →
What you need to enter
- Initial investment ($)
- Monthly contribution ($)
- Expected return (%)
- Expense ratio (%)
- Years
The formula
It grows contributions at the return minus the expense ratio, and compares the result with a no-fee case.
Worked example
Using the default values in the calculator:
- Initial investment ($): 10000
- Monthly contribution ($): 300
- Expected return (%): 8
- Expense ratio (%): 0.75
- Years: 20
| Balance after fees | $203,554.58 |
| Balance with no fees | $225,974.15 |
| Cost of fees | $22,419.57 |
Tips for better results
- Over decades small fees add up to large costs.
- Compare funds by total expense ratio.
Common mistakes to avoid
- Looking only at past returns.
- Ignoring sales loads and taxes.
Please note: Calculators and guides give general estimates, not financial, tax or investment advice. Real offers depend on your lender, location and personal situation. See our Disclaimer.