Calculate the future value of a mutual fund investment after accounting for the fund's expense ratio.
Future value—USD
Total contributed—USD
Total growth (after fees)—USD
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About the Mutual Fund Growth Calculator
A mutual fund's expense ratio is deducted from its returns every year, so even a small fee compounds into a meaningful drag on long-term growth. This calculator nets the expense ratio out of your expected return before compounding.
Formula: Net Return = Expected Return − Expense Ratio, then FV = PV(1 + r)n + PMT × [((1 + r)n − 1) ÷ r] using the net monthly rate.
Over a multi-decade horizon, the difference between a 0.05% index fund and a 1% actively managed fund can add up to tens of thousands of dollars, which is why expense ratios are one of the first things to compare between funds.