Getting a Slice of the Stock Market Action (Using Mutual Fund Calculators)

If you have a lump of money sitting in your savings account, you’ve likely heard that that’s the least productive place to put it. Sure, you’re aware of the stock market and investing, but you also don’t want to lose all of your money, and you do not have the time to learn enough to become comfortable with it.

It’s this combination of factors that have made mutual funds and the use of mutual fund return calculators extremely popular. Mutual funds are a way for everyday people, with limited knowledge of the stock market and investing, to make their money grow with reduced risk and limited involvement.

What Exactly Is a Mutual Fund? (Understanding the Purpose of a Mutual Fund Investment Calculator)

Mutual funds consist of investments from a wide array of individuals being put together in one pot and invested into a variety of securities.

While finding something like a mutual fund calculator for monthly contributions is difficult (since you can’t precisely predict how a fund will perform), you can use mutual fund return calculators to see how funds have performed in the past to decide whether you want to put your money in them in the present.

Award Emblem: Best Mutual Fund Calculators

Each mutual fund “owner” buys a certain number of shares of that overall fund. Those shares can be sold at any time. A fund manager is responsible for deciding how the money will be invested. People who are concerned about the amount of money going toward administrative costs can use mutual fund fee calculators to see if the cost of a particular fund is worth their investment.

While we can’t provide you with magical mutual fund return calculators that will tell you exactly how much a fund will make, we can provide you with some tools, like mutual fund fee calculators and mutual fund interest calculators that can help you leverage the information at your disposal to make the best investment decision.

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AdvisoryHQ’s List of the Top 5 Best Mutual Fund Return Calculators

List is sorted alphabetically (click any of the mutual fund calculators below to go directly to the detailed review section for that calculator):

Top 5 Best Mutual Fund Calculators | Brief Comparison & Ranking

Mutual Fund Calculators

Provides Information on Past Performance?

Considers Added Fees (Management or Sales)?

Considers Deferred Sales Costs?





Free-Online-Calculator-Use.com No Yes Yes

Get Smarter About Money












Table: Top 5 Mutual Funds Investment Calculators| Above list is sorted alphabetically

AdvisoryHQ’s Selection Methodology

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Detailed Review – Top Ranking Mutual Fund Investment Calculators

Below, please find the detailed review of each mutual fund calculator on our list of the best mutual fund return calculators and the best mutual fund SIP calculators. We have highlighted some of the factors that allowed these mutual fund growth calculators to score so highly in our selection ranking.

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 Bankrate Review

Why are mutual funds so popular? Because customers can gain access to the market without a comprehensive understanding of the market. For many people, the idea of spending hours sifting through the financial pages or analyzing companies is unbelievably dull. Nevertheless, they would still like their money to grow in a way that minimizes their exposure.

Photo courtesy of Pexels

Naturally, professional management is not free. Mutual fund managers take a cut of the pot whether they fund has performed well or not that year. For some, this is unacceptable. In those cases, a mutual fund fee calculator, like the one offered by Bankrate, can come in handy. Using a mutual fund calculator like this allows customers to determine whether the cost of the fees is worth it compared to the amount of money they are making from the fund.

This Bankrate mutual fund fee calculator asks for the following information:

  • Fund name
  • Fund type
  • Investment amount
  • Rate of return
  • Holding period
  • Sales charge
  • Deferred sales charge
  • Total operating expenses
  • Other fees and commissions  

This mutual fund fee calculator is a great way to analyze the cost of participating in a specific fund.

Free-Online-Calculator-Use.com Review

This mutual funds investment calculator from Free-Online-Calculator-Use.com is another easy-to-navigate tool for those who want to check the rate of return on their mutual funds. So long as you have the necessary information in front of you, using this mutual funds investment calculator is as simple as plugging the correct digits into this mutual fund interest calculator.

This mutual fund investment calculator asks for the dollar amount of the investment, the number of  years that you plan to hold the investment, the anticipated rate of return on the mutual fund, the sales charges you may incur on the mutual fund, and the total annual operating expenses. The mutual fund interest calculator also asks you to input any expected change in operating expenses after a certain number of years.

In a way, this mutual fund investment calculator or mutual fund interest calculator doubles as a mutual fund fee calculator. Management fees and sales fees can eat into the returns that you make on your mutual funds, so it is important to be aware of just how much of the money you earn is going toward other expenses.

In fact, the cost of administrative and management fees is one of the biggest criticisms of mutual funds, and the reason why people make use of mutual fund fee calculators. Mutual fund managers get their cut whether the fund performs well that year or not. If after using a mutual fund calculator you see that the fund has consistently underperformed, and that your earnings have been further undercut by management fees, you may want to reconsider the fund you’re investing in.

On the other hand, these professional managers are a large part of why mutual funds are attractive to many everyday investors. They can outsource the job of looking after the markets to these managers, and that does come at a cost. In that case, you can use a mutual fund fee calculator to see just how big a cost you’re okay with.

Keep in mind that management fees are different from sales fees. Sales fees are commissions that are paid to brokerages that get you to sign up for that specific fund.

The general advice is to avoid funds that do this, as it will just eat away more of your earnings.

Get Smarter About Money Review

The rate of return on a mutual fund cannot be accurately predicted using a mutual fund rate of return calculator. That’s why you will be hard-pressed to find such a mutual fund investment calculator online.

Why? Well, a calculator can only crunch numbers, and while there are complicated tools in the industry to try to predict what will happen in the markets, the only thing that can accurately tell what the stock market will do is time.

Depending on the type of mutual fund you choose, you are looking at a mix of stocks, bonds, and other financial instruments. Some may be more volatile than others, but you still do not know exactly how they will perform, even with financial instruments as conservative as bonds.

However, if you are interested in the impact that fees have on your mutual fund over time–including sales fees, management fees, and more–then using a mutual fund fee calculator can provide valuable insight into the effect that fees can have on an investor's overall return. 

Plug in your expected numbers using the mutual fund fee calculator at Get Smarter About Money to see what your investment will look like. If you have more than one mutual fund, you can easily enter information for both and compare the two.

As a supplement to their mutual fund fee calculator, GetSmarterAboutMoney.ca also provides valuable information on types of fees and expenses associated with mutual funds. While created for a Canadian audience, U.S. investors can still benefit from using this calculator to learn more about the impact of fees on overall return amounts.

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MoneyControl.com Review

MoneyControl.com provides would-be investors and existing investors with a useful money fund return calculator. A big reason why investors choose mutual funds is because they do not have the time or interest to study the markets themselves.

But on occasions where they would like to see for themselves how their money is doing, tools like a mutual fund growth calculator are very handy.

So long as you have the basic information about your mutual fund at hand, the mutual fund calculator from MoneyControl.com provides an easy-to-use tool for analyzing your mutual fund’s returns. This mutual fund return calculator allows you to view your mutual fund’s returns over any time interval you’re interested in.

It could be the amount of time you’ve held shares in the mutual fund or even during the time before you were a participant.

Image source: Pexels

When you first navigate to the mutual fund calculator, you are prompted to provide two key pieces of information. The first piece of information the mutual fund return calculator wants to know is the name of your mutual fund. This mutual fund growth calculator comes with a convenient drop down menu for this question, so you can quickly find the appropriate fund.

The second piece of information the mutual fund growth calculator will request is your mutual fund’s scheme. Different mutual fund providers provide different versions that have varying asset allocations, region concentrations, and more. This part of the mutual fund return calculator is also displayed as a drop down menu so that you can quickly find the right scheme in the mutual fund calculator.

After you have entered this information into the mutual fund return calculator, you will be prompted to enter the date range for which you want to view return information. Once you enter this info into the mutual funds investment calculator, it will give you comprehensive info about this mutual fund’s returns.

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Morningstar Review

Consider this: you’re a financially smart individual who has put away a little money each month. You’ve built up a comfortable nest egg, and now you want to start investing so your money does not waste away in a savings account. But you are uncomfortable putting all of your savings into mutual funds. Do you have any other options?

Yes, you do. You can open an SIP, which is short for Systematic Investment Plan, and there are mutual fund SIP calculators for you to use before or after obtaining one. Systematic Investment Savings Plans are offered by mutual funds providers to people who would like to make a contribution to a mutual fund on a weekly, bi-weekly, or monthly basis as opposed to giving one lump sum payment.

As a result, investors can participate in a mutual fund without tying up all of their savings in an investment. And you can use a mutual fund SIP calculator to play around with numbers to see if you’d like to bump up your regular contributions.

Morningstar provides a practical mutual fund SIP return calculator. A mutual funds SIP calculator is a tool people will surely want at their disposal while participating in a mutual fund. Instead of a lump sum, a Systematic Investment Plan means money is regularly being withdrawn from your account, which means each time you see money leave your bank account, you’ll question whether this investment is worth it.

If you are using Morningstar’s mutual funds SIP calculator you first need to indicate the fund you are analyzing using the drop down menu provided by the mutual fund SIP return calculator. The mutual fund SIP calculator then prompts you to indicate the installment amount, which is the amount of money you plan to dedicate toward the mutual fund each month.

You can then indicate the frequency of your payments to the mutual fund SIP return calculator. This tool is not simply a mutual fund calculator monthly contributions-wise. The mutual funds SIP calculator can be adjusted to reflect a payment frequency of biweekly, monthly, or quarterly.

Of course, enter the start and end date into the mutual fund SIP calculator before hitting “GO” to find the info you need from your mutual fund SIP return calculator.

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Conclusion – Top 5 Best Mutual Fund Returns

Choosing mutual funds gives you the power of convenience, but it does not give you the power to tell the future. While mutual fund return calculators can be fantastic ways of comparing previous performance metrics, they will not give you a guaranteed report of how a given mutual fund will perform.

When using mutual fund calculators, consider the amount of money you’re willing to invest and how much you are comfortable going toward management fees.

If you do not want to put all of your savings toward mutual funds, you can always set up monthly, weekly, or biweekly payments to go toward your mutual funds. And if you are hesitant about how much of your returns will be eaten up by fees, you can turn to a mutual fund fee calculator. Happy investing!

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.