Use this free mutual fund calculator to project balance, total contributions, estimated growth, and expense drag from initial investment, monthly contribution, return, expense ratio, and time.
$5,000 plus $250.00/mo for 20 years
Actual fund returns, taxes, distributions, loads, and fees vary and are not guaranteed.
Project a mutual fund balance with recurring contributions.
Estimate how an expense ratio can reduce a projection.
Compare low-fee and higher-fee scenarios.
Separate contributions from estimated investment growth.
Projected balance after expenses
Expense drag comparison
Long-term projection
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Project a mutual fund balance with recurring contributions. Estimate how an expense ratio can reduce a projection. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator projects balance before expenses, subtracts expense ratio from the annual return assumption for a simple net-return estimate, then compares the two balances. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This is a hypothetical projection. It does not include actual fund performance, taxes, loads, trading costs, distributions, changing expenses, market volatility, or investment advice. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.