Mutual Fund Calculator

See how contributions, fund growth, and fees may affect your investment. Enter an initial amount, regular contributions, an expected annual return, and your holding period to estimate the ending value and return after fees.

This is a scenario estimate, not a forecast or recommendation. Investment returns vary and can be negative. Display currency only changes formatting; it does not convert amounts or identify a fund’s trading currency.

Table of Contents

Your investment plan

Display currency

Formatting only; no currency conversion.

Initial investment

Monthly contribution

Additional annual contribution

Added at the end of each 12-month period.

Expected average annual return (%)

A hypothetical average; actual returns fluctuate.

Holding period (years)

Additional months

Optional fund fees

Front-end sales charge (%)

Deducted from the initial amount and each contribution.

Deferred sales charge at withdrawal (%)

Applied to the projected account balance at the end.

Annual operating expense ratio (%)

Estimated monthly deduction from the account balance.

Monthly contribution timing

Include the additional annual contribution

Enter your assumptions and calculate to see an estimate.

Your estimated result

Ending value after estimated fees—Calculated in your browser from the assumptions entered.

Total contributions paid—

Amount invested after initial charges—

Account growth after operating costs—

Net gain or loss after fees—

Estimated total fees—

Estimated net annualized return—

Returns and fee estimates are scenarios. Fees vary by share class, broker, and fund terms.

Investment growth schedule

The monthly schedule shows contributions, estimated charges, and the projected balance. Change the view to summarize by year.

Schedule view

Period	Contribution	Sales charge	Operating expense	Investment growth	Ending balance
Calculate to create your investment schedule.

How this mutual fund estimate works

The estimate applies the average annual return as an equivalent monthly growth rate. It deducts the initial sales charge from each contribution, estimates operating expenses monthly, and applies any deferred sales charge to the final projected balance. Monthly contributions can be added at the start or end of each month.

What is the net annualized return?

The net annualized return is the annualized rate that would connect your dated contributions with the estimated amount received at the end, after the modeled fees. It is an estimate based on evenly spaced monthly contributions and does not predict future results.

What fees are included?

You can enter an initial sales charge, an annual operating expense ratio, and a deferred sales charge at withdrawal. The model does not include account fees, transaction costs, taxes, platform fees, or fund-specific fee waivers. Check the fund prospectus and broker fee schedule.

Can a mutual fund lose money?

Yes. Market values fluctuate, and an investment can be worth less than the total contributions. The result depends on the average return you enter and smooths that return over time; real markets do not grow in a straight line.

Does the currency selector convert my investment?

No. It changes only the currency symbol and formatting. Enter all investment and fee amounts in the same currency.

What is excluded from this projection?

This estimate does not select or recommend a fund, use historical or live market data, model volatility, inflation, dividends paid out in cash, taxes, or changing fee schedules. Actual outcomes may differ substantially.