Free ETF Calculator - Calculate Fund Performance
Calculate your ETF returns, evaluate fund performance, and see how expense ratios affect your growth.
Formula & Methodology
This formula combines your initial principal growth with the future value of a series of your regular monthly contributions, accounting for compound interest over time.
- FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Worked Example
Using the ETF Calculator: apply the formula above to your input values. For instance, FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]. The tool performs each step instantly and shows the result.
Frequently Asked Questions
How do ETF returns compound?
Reinvested distributions and price growth compound together, so long holding periods and low fees strongly boost the final value.
Why do expense ratios matter?
Even a 0.5% annual fee compounds against you over decades, so lower-cost ETFs often keep more of your return.
Are ETFs less risky than individual stocks?
They spread money across many holdings, reducing single-company risk, but they still rise and fall with the market.