Mutual Fund Calculator
Future value from a lump sum plus monthly contributions.
How it works
FV = initial×(1+i)ⁿ + PMT×((1+i)ⁿ−1)÷i
Sum of the lump-sum and annuity future values, with i = annual ÷ 12 and n = years × 12.
Worked example
Invest 100,000, worth 125,000 after 3 years: total return 25%, annualised (1.25)^(1/3) − 1 ≈ 7.7%.
A 1.5% annual fee costs about 4,500 over three years, cutting the annualised figure to ~6.2%.
Notes and limitations
Separate NAV growth from reinvested distributions, and check subscription, redemption and management fees. Past performance is not predictive; compare funds over identical periods.