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Mutual Fund Calculator For Cost/Yield Mutual Fund Comparison

Calculator Preferences
Mutual Fund Calculator Sign
Mutual Fund Calculator

This calculator will calculate a fund's after-expense growth and equivalent annual yield. You can then print out the results -- including an annual growth chart -- that can then be used for mutual fund comparison. The Learn tab includes brief answers to:

  • What are mutual funds?
  • Advantages and disadvantages?
  • How do mutual funds work?
  • When and how to buy?
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Invest amt:Invest amount:Dollar amount of investment:Dollar amount of investment:

Dollar amount of investment:

Enter the total dollar amount of the funds you are considering investing in the mutual fund. Enter only numeric digits 0-9 and a decimal point if applicable (no dollar signs or commas).

# of years:Number of years:Number of years:Number of years to leave invested:

Number of years:

Enter the number of years you plan to leave the funds invested in the mutual fund. Enter whole numbers only (no partial years).

ROR:Rate of return:Anticipated rate of return:Anticipated rate of return:

Anticipated rate of return:

Enter the percentage return on investment you expect to earn on the mutual fund (without the percent sign). The percentage you can expect to earn should be based on conservative expectations. As we have seen post Y2K, history is not always a reliable predictor of the future. Sure, over the past 20-30 years, money market funds, bond funds, and stock funds have averaged around 5%, 9%, and 11% respectively, but that is certainly no guarantee of what the future might hold.

Sales chg:Sales charge:Sales charge on purchases:Sales charge percentage on purchases:

Sales charge on purchases:

If the fund you are investing in has a sales charge (front-end load), enter the percentage here (without the percent sign). This information can be found in the prospectus of the fund.

Deferred:Deferred chgs:Deferred sales charges:Deferred sales charge percentage:

Deferred sales charges:

If the fund you are investing in has a deferred sales charge (back-end load), enter the percentage here (without the percent sign). This information can be found in the prospectus of the fund.

Annual exp:Annual expense:Total annual operating expenses:Total annual operating expenses percentage:

Total annual operating expenses:

Enter the total annual operating expense percentage (without the percent sign). Be sure to include any other expense percentages (12b-1 fees, etc.) that might apply. This information can be found in the prospectus of the fund.

Change operating expenses:

Change operating expenses:

If the fund you are investing in is scheduled to convert from one class to another within the entered holding period, enter the post-conversion annual operating percentage and the conversion year in the fields below. If the fund is not scheduled to convert, leave both fields blank.

Mutual Fund Growth and Yield
End value:End value:Value at the end of period:Value at the end of holding period:

Value at the end of holding period:

After calculating all gains and expenses, this is how much your mutual fund would be worth at the end of the holding period if your rate of return expectations prove to be true.

BT yield:BT net earnings:Before tax net earnings:Before tax net earnings:

Before tax net earnings:

This is the before-tax effective annual yield after accounting for all sales charges and operating expenses. If the field contains only # signs, it means the mutual fund calculator could not find a percentage match within 10,000 tries.

BT AE yld:BT AE yield:Before-tax, after-expense yield:Before-tax, after-expense equiv. annual yield:

Before-tax, after-expense equivalent annual yield:

This is the before-tax net gain on the investment (value at end of holding period minus initial investment).

Mutual Fund Cost
Chgs, fees:Charges & fees:Total sales charges and fees:Total sales charges and fees:

Total sales charges and fees:

This is the total of all sales charges, deferred sales charges, and annual operating expenses incurred from the beginning to the end of the entered holding period.

Lost earn:Lost earnings:Foregone earnings:Foregone earnings:

Foregone earnings:

This is the earnings you might lose out on due to having to pay the fees associated to investing in the mutual fund versus being able to invest the cost of the expenses. The mutual fund calculator accumulates these lost earnings as fees are scheduled to be paid throughout the holding period, and are based on the entered expected rate of return of the mutual fund.

Total cost:Total cost:Total cost of fund at end:Total cost of fund at end of holding period:

Total cost of fund at end of holding period:

This is the combined total of the sales charges, operating expenses, and foregone earnings for the holding period.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.