Mutual Fund Calculator
Estimate mutual fund lump sum growth from principal, rate, and time.
This mutual fund calculator projects lump sum growth with compound returns. Enter principal, annual rate, and years to estimate future value.
Formula
Future value = principal * (1 + r)^t when r is the decimal annual rate and t is years, matching the live tool settings on this page.
For monthly investing style projections, compare the SIP calculator. For a general accumulation path, open the investment calculator or the future value calculator.
Related calculators
Limits
Markets vary. Fees, taxes, and irregular cash flows are not modeled unless the fields on the page say so.
Frequently Asked Questions
What does the default example show?
Starting $10,000, $200 monthly, 7% annual return, 20 years projects about $144,572.72.
Are fees included?
No. Enter a net return rate if you want fees reflected, because the tool does not subtract expense ratios separately.
Is the return guaranteed?
No. The rate is a hypothetical constant return for planning math, not a promise of market performance.
Monthly or annual contributions?
This calculator models monthly contributions plus monthly compounding on the annual rate.
What if monthly contribution is zero?
The projection still grows the starting balance alone at the monthly rate for the term.
Does it model taxes?
No. Tax drag, capital gains, and distributions are outside this simple growth model.
Can the rate be zero?
Yes. With a 0% return the ending value is starting balance plus total contributions.
How should I pick the rate?
Use a long run assumption you can defend, then stress test lower rates. Do not treat one default as advice.
