Mutual Fund Calculator
Project fund growth and see the real drag that expense ratios have on long-term returns.
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Balance over time
Mutual fund basics
Expense ratio
The annual fee charged by the fund, expressed as a percentage of assets. Even a small difference (0.5% vs 1%) compounds into tens of thousands over decades.
Index funds
Index funds typically have expense ratios under 0.1%, far lower than actively managed funds. Over long periods, most active funds underperform index funds after fees.
Dollar cost averaging
Investing a fixed amount monthly regardless of market conditions reduces the risk of investing a lump sum at the wrong time.
Diversification
Mutual funds spread risk across many holdings. A broad market index fund owns thousands of companies, reducing individual stock risk dramatically.
Projections assume constant return rates. Actual returns vary significantly. Not financial advice.