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.
- 63+ real funds
- Free, no sign-up
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%
Share or save your projection: the link reproduces exactly this calculation.
Growth Projection
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Data & Methodology
- Figures as of
- December 31, 2024
- Funds covered
- 40
- Avg. return / expense
- 8.12% / 0.10%
Expense ratios and fund size come from provider-reported ETF profiles; volatility and 10-year returns are calculated from monthly dividend-adjusted prices. Figures refresh automatically each month. Projections use a conservative long-run return assumption rather than the most recent decade.
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 40 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.