justyourcalculatorMutual Fund Calculator
See what loads and expense ratios really cost your fund investment.
- 100% Free
- Instant Results
- No Sign Up
Mutual Fund Calculator
Fund growth after sales loads and expense ratios
Sales charge on each purchase.
Deferred sales charge when you sell.
Ending value after fees
$33,654.07
$35,075.81 with no fees
- Total invested
- $19,000.00
- Front-end loads paid
- $0.00
- Operating expenses paid
- $1,060.75
- Total cost of feesIncludes growth lost on fee dollars
- $1,421.74
- Annual return after fees
- 7.46%
Contributions are made at the end of each year except the last. The expense ratio is charged on the balance each year; the back-end load is applied to the full value at sale. Taxes on distributions are not included.
- With fees
- No fees
| Year | Added | Expenses | Value |
|---|---|---|---|
| 1 | $1,000.00 | $54.00 | $11,746.00 |
| 2 | $1,000.00 | $63.43 | $13,622.25 |
| 3 | $1,000.00 | $73.56 | $15,638.47 |
| 4 | $1,000.00 | $84.45 | $17,805.10 |
| 5 | $1,000.00 | $96.15 | $20,133.36 |
| 6 | $1,000.00 | $108.72 | $22,635.31 |
| 7 | $1,000.00 | $122.23 | $25,323.91 |
| 8 | $1,000.00 | $136.75 | $28,213.07 |
| 9 | $1,000.00 | $152.35 | $31,317.76 |
| 10 | $0.00 | $169.12 | $33,654.07 |
More Financial Calculators
View all calculators- Investment CalculatorGrow an investment, or solve for rate, time or deposit
- Average Return CalculatorArithmetic vs geometric average return and CAGR
- Roth IRA CalculatorRoth IRA balance at retirement vs a taxable account
- Compound Interest CalculatorGrow a balance, or convert between compounding periods
- Mortgage CalculatorMonthly payment with taxes, insurance and PMI
- Loan CalculatorPayments for amortized, deferred and bond-type loans
- Auto Loan CalculatorCar payment with tax, fees, trade-in and rebates
- Retirement CalculatorHow much you need, how to save and what you can spend
- Income Tax CalculatorYour 2026 US federal income tax, refund or amount owed
- Calculators
- 204+
- Free to use
- 100%
- Results as you type
- Instant
How the mutual fund calculator works
A front-end load is taken from each purchase before it is invested, a back-end (deferred) load is taken when you sell, and the expense ratio is deducted from the fund's assets every year. All three reduce the money that compounds for you.
The total cost compares your result with the same investments earning the same return with no fees at all. Over long periods the expense ratio usually costs the most because it is charged every year on a growing balance.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
Share links may contain your input values. Anyone with the URL can read them; avoid sharing sensitive personal or financial information.