Project your mutual fund returns accounting for expense ratios, loads, and taxes. See how fees impact your wealth over time.
Fund Details
Enter your investment parameters
$
$
%
%
Index funds: 0.03-0.2%. Active funds: 0.5-1.5%
%
No-load funds: 0%. Some active funds: 3-5.75%
% expense ratio
Final Portfolio Value
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Total Fees Paid
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Total Invested
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Net Growth
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Fee Drag
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vs Index Fund
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Initial Investment
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Total Contributions
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Gross Return
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Net Return (after expenses)
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Expense Ratio Cost
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Load (upfront fee)
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Total Fees Paid
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Final Portfolio Value
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Index Fund Value (same investment)
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FAQ
What is an expense ratio?
The expense ratio is the annual fee a mutual fund charges, deducted from assets. A 1% expense ratio costs $1,000/year for every $100,000 invested. Over 30 years, high expense ratios can cost you hundreds of thousands of dollars.
What is a load?
A load is a sales commission charged when buying (front-end) or selling (back-end) a mutual fund. Most no-load index funds (Vanguard, Fidelity, Schwab) charge 0% load. Loaded funds pay broker commissions.
Index funds vs actively managed funds?
Most actively managed funds underperform their benchmark index over 10+ years, after fees. Index funds track market indices at very low cost (0.03-0.20% expense ratios). Warren Buffett famously recommends index funds for most investors.
What is NAV?
Net Asset Value (NAV) is the per-share price of a mutual fund = (total assets − liabilities) ÷ shares outstanding. Mutual funds are priced once daily after market close, unlike ETFs which trade throughout the day.