Project your mutual fund growth — after fees and expense ratios — over any time horizon.
Free mutual fund planner that models lump-sum and recurring SIP contributions, deducts expense ratio drag, applies exit loads, and shows you the exact dollar cost of every basis point.
Direct answers to the most common questions, in plain language. Skim if you're in a hurry; dig deeper below.
Your net return = expected return minus expense ratio.
A mutual fund publishes a gross return assumption, but the fund deducts an annual expense ratio (often 0.5%–1.5%) before crediting you anything. Over 20–30 years, even a 1% drag can eat 20–30% of your final corpus.
Index funds: 0.03%–0.20%. Active funds: 0.5%–1.5%.
For passive index funds and ETFs, anything above 0.20% is expensive in 2026. Actively managed funds typically run 0.5%–1.5%, and you should expect them to beat the index by at least that much (most don't).
Entry load is charged when buying; exit load when selling.
Most modern funds have a 0% entry load. Exit loads of 0.5%–1% are common if you redeem within 1 year — designed to discourage short-term churn. Always check the fund's scheme document.
This one models fees, not taxes — they vary by country.
This calculator focuses on the fee drag because it's the only cost the fund company can quote up front. Capital gains taxes apply when you redeem and depend on your jurisdiction, holding period, and bracket.
The mechanics in short answers — no jargon, no upsell.
A fund's "12% annual return" is before fees are deducted. The actual return credited to your account is always lower than the headline number.
Funds quietly subtract the annual expense ratio from your NAV every business day. You never see a "fee" line item, but your return is reduced by exactly that much each year.
A 1% fee on a 10% return is 10% of one year's gain. Over 30 years, the same 1% compounds into a 25–30% reduction in final corpus. The longer your horizon, the worse fees become.
If you sell within the fund's exit-load window (often 1 year), a percentage of your final value is deducted before payout. Long-term holders typically avoid this entirely.
Designed so anyone can model their situation in under a minute, with or without a finance background.
Convert a 1% expense ratio into the actual dollar value it costs you across 20+ years.
Visualize the gap between what the fund advertises and what actually lands in your account.
When a fund holds other funds, you pay two expense ratios. This tool makes the cost visible.
See how much you'd gain by moving from a 1% fund to a 0.1% index fund — usually six figures.
Built-in support for entry/exit load percentages, applied to your final value at redemption.
Project a one-time investment plus recurring monthly contributions in a single, unified curve.
Everything you might ask before, during, or after using this tool.
Future value uses monthly compounding: FV = P × (1 + r/12)^(12t) + PMT × [((1 + r/12)^(12t) − 1) / (r/12)], where P is the initial lump sum, PMT is the monthly contribution, r is the net annual return (gross return minus expense ratio), and t is years. Exit load, if any, is applied to the final value.
The expense ratio is deducted from the fund's gross return annually. A fund earning 10% gross with a 1% expense ratio credits you 9% net. Over 30 years, that 1% fee can reduce your final corpus by 25%–30% because the lost return would have compounded.
For passive index funds, yes — they're tracking the same benchmark, so the cheapest one wins. For active funds, lower fees correlate strongly with better long-term net returns, but the manager's strategy and consistency still matter. Most active funds underperform their benchmark net of fees.
A fund of funds (FoF) holds units of other mutual funds. You pay the FoF's expense ratio AND the underlying funds' expense ratios. The total drag can be 2%+ annually — usually too high to justify unless the FoF provides genuine asset-allocation value.
Maybe. Compare your current fund's 5-year net return vs. a low-cost index alternative's historical return. If the gap is less than the fee difference, switch. Account for exit load and capital gains tax in your switch math.
The math is exact. The accuracy depends on your inputs: expected return is an assumption, not a guarantee. Use the fund's 10-year CAGR as a starting point, then stress-test with a 2–3% lower return to see the conservative case.
No. Capital gains tax varies by country, holding period, and your income bracket — modeling it generically would mislead more than help. The fee drag shown is pre-tax; your real take-home is lower by whatever your jurisdiction's long-term capital gains rate is.
For US equity index funds, 7%–8% real (inflation-adjusted) is a defensible long-term assumption. For global equity, 6%–7%. For balanced/hybrid funds, 5%–6%. For debt funds, 3%–5%. Use the fund's own 10-year CAGR if it has one.
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Every mutual fund charges an annual fee to cover its operating costs — manager salaries, research, compliance, distribution. That fee is the expense ratio, quoted as a percentage of your invested amount. A 1% expense ratio on a $100,000 holding is $1,000 a year, deducted invisibly from your NAV.
The trap is that the fee doesn't feel large in any single year. But because it's subtracted from your return before compounding, the foregone growth piles up. Over 30 years, a 1% fee on an 8% gross return reduces your final corpus by roughly 25%.
Index funds aim to match a benchmark. They're cheap (0.03%–0.20%) because they require no stock-picking — they just hold whatever the index holds, in the same proportions.
Active funds aim to beat a benchmark. They're expensive (0.5%–1.5%+) because someone has to do the picking. The challenge: roughly 80% of active funds underperform their benchmark over 10+ years, net of fees. The fee is real; the outperformance is not.
For most long-term investors, a low-cost index fund is the mathematically defensible default. Active funds only make sense if you have high conviction in a specific manager and are willing to monitor their performance against the benchmark.
A fund of funds (FoF) is a mutual fund that, instead of holding stocks or bonds, holds other mutual funds. The pitch is "one-click diversification." The cost is two layers of fees: the FoF's own expense ratio plus the expense ratios of the underlying funds.
A FoF charging 0.75% that holds funds with an average 0.85% expense ratio costs you 1.6% annually — before you've seen a single return. Unless the FoF provides genuine asset-allocation value you couldn't replicate with a 3-fund index portfolio, the double fee is hard to justify.
Two short notes worth reading before you trust any number on this page.
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Results are not financial, legal, or tax advice. Please consult a qualified professional before any decision about your loan, investments, or personal finances. Actual loan terms and charges depend on your bank and individual circumstances.
