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Mutual Fund Calculator

Initial Investment ($)

Monthly Contribution ($)

Annual Return (%)

Expense Ratio (%)

Index funds: 0.03–0.20%. Actively managed: 0.5–1.5%

Front-End Load (%)

Back-End Load (%)

Investment Period (years)

Capital Gains Tax (%)

Final Value (after loads)

$321,474

Total Invested

$130,000

Total Gain

$191,474

After-Tax Value

$292,753

Fee Drag (total cost of fees)

$22,305

Year-by-Year Growth

Year	Balance	Total Invested	Gain
1	$16,987	$16,000	$987
2	$24,516	$22,000	$2,516
3	$32,630	$28,000	$4,630
4	$41,374	$34,000	$7,374
5	$50,796	$40,000	$10,796
6	$60,951	$46,000	$14,951
7	$71,893	$52,000	$19,893
8	$83,685	$58,000	$25,685
9	$96,392	$64,000	$32,392
10	$110,086	$70,000	$40,086
11	$124,843	$76,000	$48,843
12	$140,745	$82,000	$58,745
13	$157,882	$88,000	$69,882
14	$176,350	$94,000	$82,350
15	$196,251	$100,000	$96,251
16	$217,697	$106,000	$111,697
17	$240,808	$112,000	$128,808
18	$265,713	$118,000	$147,713
19	$292,551	$124,000	$168,551
20	$321,474	$130,000	$191,474

Expense Ratio Impact

Even a 1% difference in expense ratio can reduce your final balance by tens of thousands of dollars over 20+ years. Low-cost index funds (Vanguard, Fidelity, Schwab) typically charge 0.03–0.20%. The fee drag shown above is the compounded cost of fees over your investment period.

Project mutual fund growth with expense ratios, loads, capital gains tax, and annual fee drag.