Tools
ETF return
Estimate ending value from starting capital, annual return, fees, and years held.
Projected value
85,149.61
Net rate +7.80% · Contributed 29,500.00 · Gain 55,649.61
How it works
Net annual rate = assumed gross return minus expense ratio. We then compound yearly with optional annual contributions, same engine as the compound calculator with one compound per year.
That is fee drag as a constant haircut, not the fund’s full stack. Tracking difference, securities lending, and bid-ask do not appear.
Worked example
50,000 start, 8% gross, 0.15% expense, 10 years, 0 adds: net 7.85% compounded. A 0.50% fee fund on the same gross assumption finishes lower. The gap is the only thing this tool is good at showing.
Limits
Commodity and currency ETFs have roll and NAV mechanics this model ignores. Read the ETF vs index guide before you treat SPY, USO, or FXE as the cash market. Fund documents win over this page.
Indicative only. Not investment advice. Markets can lose money; assumptions are yours to stress-test.