Index Fund Calculator
Project your returns using real index fund data. Choose from popular funds by Vanguard, BlackRock and State Street, then adjust for fees, inflation and capital gains tax.
- 40+ real funds
- Free, no sign-up
- Provider data, 2024-12-31
Investment Parameters
Example: 10,000 - 50,000 for starting investment
Example: 200 - 2,000 monthly contribution
Example: 10-40 years for long-term investing
US historical average: ~2.5% (Example: 2% - 4%)
Select your country to calculate capital gains tax on investment profits
Current Settings
Investment Results(VOO)
- Final Amount
- $1,390,581
- Total Contributions: $190,000
- Total Returns
- $1,204,153
- Real Value (Inflation Adj.)
- $662,949
- Total Fees Paid
- $3,572
- Effective Annual Return
- 6.86%
Growth Projection
Data & Methodology
- Figures as of
- 2024-12-31
- Funds covered
- 40
- Avg. return / expense
- 8.12% / 0.10%
Annualised returns and volatility are long-run figures published by each fund provider. They are fixed inputs for long-horizon projections, not live market quotes, and are reviewed whenever providers issue new annual data.
Frequently Asked Questions
How does the index fund calculator work?▼
Enter your initial investment, monthly contribution, expected annual return, and time horizon. The calculator uses compound interest formulas to project your portfolio growth, adjusting for inflation, management fees, and taxes.
Is the index fund calculator free to use?▼
Yes, the Index Fund Calculator is completely free. All calculations are performed in your browser — no account or payment required.
What is compound interest and why does it matter for investing?▼
Compound interest is when your investment earnings generate their own earnings. Over time, this creates exponential growth — for example, $10,000 invested at 10% annually becomes $67,275 in 20 years without any additional contributions.
Which index funds can I calculate returns for?▼
The calculator includes 45+ popular index funds from Vanguard, BlackRock (iShares), State Street (SPDR), and other major providers, covering S&P 500, total market, international, and bond funds.
How accurate are the investment projections?▼
They are illustrations, not forecasts. The calculator applies a constant annual return to real fund data including expense ratios, but real markets rise and fall unevenly. Treat the result as an order-of-magnitude estimate; actual outcomes vary widely and can include losses.