Index funds are the most accessible path to market returns for the average investor. This calculator projects the future value of your regular monthly contributions while accounting for the drag of annual expense ratios — showing exactly how fees impact your long-term wealth accumulation.
Enter Your Measurements
Results
Projected Portfolio Value
1,106,416.09
$
Total Contributed
180,000.00
$
Investment Growth
926,416.09
$
Formula
How to Use This Calculator
How to Use
- 1
Enter your planned monthly investment amount.
- 2
Set the number of years you plan to invest.
- 3
Enter your expected annual return (S&P 500 historical average is ~10% nominal).
- 4
Enter the fund's expense ratio (Vanguard/Fidelity index funds are typically 0.03–0.20%).
Frequently Asked Questions
Frequently Asked Questions
How much does a 0.5% higher expense ratio cost long term?
Is a 10% annual return realistic for index funds?
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About This Calculator
This calculator uses the formula: Net Return = Annual Return − Expense Ratio FV = PMT × [(1 + r)^n − 1] / r (where r = net monthly rate, n = months). All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
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