Mutual Fund Calculator

Project mutual fund growth after sales charges and operating expenses.

Compare net fund growth to the same return without fees.

Result

Net redemption value$28,482.89

Balance without charges$31,725.26

Effect of fees and lost growth$3,242.37

Contributions
Net earnings

Deferred sales charge is applied to final balance. Charges and expense policies vary by fund.

Calculation details

Scroll horizontally or vertically to see more. Download CSV for the complete schedule.

Month	Contributions	Net earnings	Balance
1	9,797	31.37	9,828.37
2	9,894	63.15	9,957.15
3	9,991	95.34	10,086.34
4	10,088	127.96	10,215.96
5	10,185	160.99	10,345.99
6	10,282	194.44	10,476.44
7	10,379	228.32	10,607.32
8	10,476	262.62	10,738.62
9	10,573	297.34	10,870.34
10	10,670	332.49	11,002.49
11	10,767	368.07	11,135.07
12	10,864	404.08	11,268.08
13	10,961	440.51	11,401.51
14	11,058	477.38	11,535.38
15	11,155	514.68	11,669.68
16	11,252	552.41	11,804.41
17	11,349	590.58	11,939.58
18	11,446	629.19	12,075.19
19	11,543	668.24	12,211.24
20	11,640	707.72	12,347.72
21	11,737	747.65	12,484.65
22	11,834	788.02	12,622.02
23	11,931	828.83	12,759.83
24	12,028	870.09	12,898.09
25	12,125	911.80	13,036.80
26	12,222	953.95	13,175.95
27	12,319	996.56	13,315.56
28	12,416	1,039.61	13,455.61
29	12,513	1,083.12	13,596.12
30	12,610	1,127.09	13,737.09
31	12,707	1,171.51	13,878.51
32	12,804	1,216.38	14,020.38
33	12,901	1,261.72	14,162.72
34	12,998	1,307.51	14,305.51
35	13,095	1,353.77	14,448.77
36	13,192	1,400.49	14,592.49

How to use this calculator

Compare net fund growth to the same return without fees. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.

Calculation formula

Front-end charges reduce each contribution; recurring expenses reduce the effective annual return.

Assumptions and accuracy

Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.

Choose what to calculate

Mutual fund calculator with fees

Project a fund balance after entered contributions, expenses and sales charges. The modeled back-end charge is applied to the final balance.

Open this calculation

Understanding this calculation

Project a fund balance while distinguishing front-end loads, recurring expense assumptions and back-end charges. Compare the modeled net redemption value with the charge-free illustration.

Worked examples

How a front-end load reduces invested money

Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.

A 5% front-end charge on 1,000 is 50, leaving 950 invested. With no return, deposits, recurring expenses or exit load, redemption value remains 950.

Net redemption value: 950 USD.

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Common questions

How does a front-end load affect contributions?

It reduces the portion of each contribution invested under this model, so the deducted portion does not participate in later growth.

Are fund expense ratios the same as an exit fee?

No. Recurring expenses affect ongoing growth; a back-end charge affects modeled redemption. Avoid treating them as interchangeable.

Scope and assumptions

Returns are hypothetical. Actual expense charging, distributions, tax and share-class exit schedules can differ.

Sources

Calculation notes checked October 20, 2026. Examples are mathematical checks under the stated assumptions.

Calculation methods and formulas

Mutual Fund Return