Mutual Fund Calculator

Initial investment ($)

Annual contribution ($)

Monthly contribution ($)

Annual return (%)

Years

Extra months

Front-end load (%)

Back-end load (%)

Annual expense ratio (%)

Contribution timing

Illustrative projections, not guaranteed returns. Dollar amounts in USD.

Results

Ending value—

Total principal—

Net return—

Total charges & fees—

Net annual IRR—

Total contributions—

Sales charge—

Deferred charge—

Operating expenses—

Balance over time

Balance composition

Annual breakdown & calculation method

Year	Principal	Balance	Net return	Expenses paid

Annual investment return is treated as an effective rate; monthly growth is (1 + annual return)^(1/12) − 1. The stated annual expense percentage is divided by 12 and deducted monthly on the post-growth balance; real funds accrue expenses under their own policies. This is an explicitly defined illustration and may differ from other calculators. Loads are applied to investments and redemption as configured. IRR uses monthly dated investor cash flows, annualized as (1 + monthly IRR)^12 − 1. Annual contributions occur every twelfth month, and results are estimates.