Mutual Fund Calculator
Free Online Mutual Fund Calculator
Fund Growth · Expense Ratio Impact · SIP Calculator
Mutual Fund Calculator
Fund Growth · Expense Ratio Impact · SIP Calculator
Project your mutual fund portfolio over time accounting for gross returns, expense ratio drag, tax drag, and inflation. See exactly what your net real return is — and how much the fee structure costs you over decades.
Investment Details
$
$
yrs
Fund Details
%
%
% (0 = tax-advantaged)
%
% (0 = no-load)
Fund Growth Summary
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Final Portfolio Value
—
—
Total Fee Drag (lifetime cost)
—
—
📊 Portfolio Composition at Year 20
—
Initial Investment
Total Contributions
Net Investment Returns
Initial Investment
—
Total Contributions
—
Net Returns Earned
—
Expense Ratio Drag
—
Gross Return Rate
—
Net Return Rate
—
Real Return (after inflation)
—
Inflation-Adj. Final Value
—
🔮 Fund Scenarios
If expense ratio was 0.03% (index ETF):—
If gross return was 12% (strong bull market):—
If gross return was 6% (conservative):—
If monthly contribution doubled:—
Tax-advantaged vs taxable account difference:—
📋 Year-by-Year Fund Performance
| Year | Contributions | Gross Return | ER Drag | Net Balance | Real Value |
|---|
Fund Growth Insights
The expense ratio is a silent, compounding fee that erodes returns every year. Compare four fund types side-by-side — from ultra-low-cost ETFs to active funds — to see exactly how much fees cost over your investment horizon.
Base Assumptions
$
%
yrs
Fund Expense Ratios to Compare
%
%
%
%
Expense Ratio Comparison
—
Best Fund Final Value
—
—
Cost of Choosing Worst Fund
—
—
Fund 1 Final Value
—
Fund 2 Final Value
—
Fund 3 Final Value
—
Fund 4 Final Value
—
Fund 1 Fee Drag
—
Fund 2 Fee Drag
—
Fund 3 Fee Drag
—
Fund 4 Fee Drag
—
📊 Final Portfolio Value Comparison (same gross return)
🔮 Expense Ratio Scenarios
Cost of 1% ER vs 0.1% ER on this amount:—
Break-even alpha needed to justify highest ER:—
Fund 1 vs Fund 4 — total fee savings:—
Fee drag per $100K invested per year:—
If all fees were eliminated (theoretical max):—
Expense Ratio Insights
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals — leveraging rupee-cost averaging to smooth out market volatility. Common in India, but the concept applies universally to any recurring investment in mutual funds or ETFs.
SIP Parameters
$
yrs
%
%
% (increase per year)
$
$
%
SIP Summary
—
🎯 Goal Progress
—
—
—
—
—
Final Corpus Value
—
—
Wealth Ratio (gains vs invested)
—
—
Total Invested
—
Gains from Market
—
ER Drag (total)
—
Real Value (inflation-adj.)
—
Net Annual Return
—
SIP per Period
—
Goal Reached
—
Step-Up Benefit
—
💰 Corpus Composition
🔮 SIP Scenarios
SIP needed to reach goal in same time:—
If SIP increased by 20%:—
If started 5 years earlier:—
Lump sum equivalent (same outcome):—
Return if switched to 0.03% ETF:—
📋 Year-by-Year SIP Growth
| Year | SIP Amount/mo | Invested (cum.) | Gains | Corpus | Real Value |
|---|
SIP Insights
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