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Mutual Fund Calculator

The mutual fund calculator can be used to estimate the ending balance and net return of mutual funds. It can also calculate the internal rate of return (IRR) after accounting for charges and fees.

Modify the values and click the calculate button to use

Initial investment $ Annual contribution $ Monthly contribution $ Rate of return

The annual rate of return you expect before fees and charges.

Holding length

years months

Sales charge

Upfront fee charged when purchasing the fund (front-end load).

% Deferred sales charge

Fee charged when redeeming the fund (back-end load).

% Operating expenses

Ongoing annual fees charged continuously as a percentage of the fund's balance.

%/year

Results

Ending balance	$90,077.09
Total principal	$80,000.00
Total return	$10,077.09
Net internal rate of return (IRR)	3.84%

Accumulation Schedule

Year	Deposit	Interest	Ending balance
1	$32,000.00	$1,122.62	$32,482.62
2	$12,000.00	$1,702.34	$45,944.96
3	$12,000.00	$2,308.15	$60,013.11
4	$12,000.00	$2,941.21	$74,714.32
5	$12,000.00	$3,602.77	$90,077.09

Principal Return

Understanding your calculation

Method, example and limitations

How the calculation works

A fund projection grows an initial investment and recurring contributions using the assumed return and applicable charges. Compare the invested amount with projected growth separately.

Example to check

With no fees or new deposits, a $1,000 investment earning an assumed 5% annually grows to $1,102.50 after two years.

Before using the result

Returns vary and capital can fall. Expense ratios, sales loads, tax treatment and contribution timing can differ between funds; this projection is not a performance promise.

Calculation methodology · Report a result that needs review