Quick guide
How to use this calculator
- Enter the exposure, market, accounting, probability, rate, or risk assumptions named by the fields.
- Use consistent currencies, periods, share units, and percentage conventions.
- Interpret the output only within the displayed model and limitations.
Calculation method
Calculation method
Before-expense value = initial × (1 + gross return)^years. After-expense value = initial × (1 + gross return − expense ratio)^years.
Fixed decimal scalar arithmetic remains exact until display. Square-root and compound projections are explicitly approximate and reject non-finite results.
Worked example
Worked example
100,000 growing 6% for 20 years with a 0.5% expense ratio shows the cumulative value difference.
Before-expense value = initial × (1 + gross return)^years. After-expense value = initial × (1 + gross return − expense ratio)^years.
Supported inputs
Precision and limits
Visible input limits
Fixed decimals accept 30 digits and 12 decimal places, with absolute values capped at 1e12 per input and general rates capped at 1000%. Formula-specific shares and probability limits are validated separately.
International scope
No currency, exchange, broker, live security data, accounting standard, tax jurisdiction, contract specification, or regulatory disclosure is selected automatically.
Decision boundary
Outputs are arithmetic scenarios, not forecasts, advice, suitability assessments, trading signals, fair-value opinions, risk guarantees, or recommendations.
Calculator-specific assumptions
This simplified annual model does not reproduce a specific fund's daily accrual, changing assets, transaction costs, taxes, or tracking difference.