Mutual Fund Calculator: See True Growth After Fees
Our Mutual Fund Calculator reveals real returns after expense ratio, load fees, and SIP contributions.
Key Components
- SIP: Systematic Investment Plan
- Expense Ratio: Annual fund cost
- Load Fee: Sales charge
- NAV Growth: Net Asset Value
Expense Ratio Impact
Even 1% drags returns over decades. Compare low-cost index funds.
Load vs No-Load
5.75% load = instant loss. No-load funds win long-term.
Example: $10K + $500/mo, 12%, 10 yrs
- Future Value: ~$177,000
- Expense Cost: ~$8,500
- Net Gain: ~$107,000
Formulas
FV = P × (1 + r)^t + PMT × [((1 + r)^t - 1) / r]
After fees: r_net = r - expense - load_amortized
Why It Matters
- Fees eat 30–50% of gains
- SIP reduces timing risk
- Compare with SIP
Pro Tips
- Choose expense < 0.2%
- Avoid load funds
- Invest monthly
Limitations
- Assumes constant return
- No tax modeling
- Market risk not shown
Conclusion
Minimize fees, maximize growth. Use our Mutual Fund Calculator to plan smarter.