The mutual fund calculator can be used to estimate the ending balance and net return of mutual funds. It can also calculate the internal rate of return (IRR) after accounting for charges and fees.
• Specify your Initial investment, Monthly contribution, and optional Annual contribution.
• Input your expected gross annual Rate of return and holding horizon in Years & Months.
• Enter fund load structures (Front-end and Back-end sales loads) alongside the ongoing Expense Ratio to evaluate total fee drag and net internal rate of return (IRR).
Configure your contribution schedule, return expectations, and fund fee breakdown.
Periodic breakdown of new deposits, investment returns, and fee deductions.
| Year | Deposits | Gross Gain | Fees & Expenses | Ending Balance |
|---|---|---|---|---|
| Year 1 | $32,000.00 | +$1,323.38 | -$772.89 | $32,550.49 |
| Year 2 | $12,000.00 | +$1,984.42 | -$439.27 | $46,095.64 |
| Year 3 | $12,000.00 | +$2,675.81 | -$508.70 | $60,262.75 |
| Year 4 | $12,000.00 | +$3,398.96 | -$581.31 | $75,080.40 |
| Year 5 | $12,000.00 | +$4,155.30 | -$657.26 | $90,578.44 |
When investing in mutual funds, ongoing fees and commission loads compound over time, having a substantial impact on your net realized portfolio wealth.
Class A shares typically charge a front-end sales load (e.g. 2% to 5.75%) taken immediately off new deposits. Class B/C shares charge back-end/deferred loads upon redemption or carry higher 12b-1 marketing fees.
The fund operating expense ratio (management, custody, 12b-1) is deducted daily from assets. Over a 20-year horizon, a 1% higher expense ratio can erode more than 20% of your total potential retirement corpus.
Net IRR calculates your true annualized return across all non-uniform cash deposits and redemptions, accounting for the exact timing of front-end fees, operational drag, and market performance.
Model long-term asset growth, portfolio compounding, and regular contributions.
Calculate Internal Rate of Return for capital budgeting and irregular cash flows.
Price bonds, clean & dirty prices, yield to maturity, and coupon accrued interest.