Fund Calculator
Compare fund performance. With front-end load, management fee and returns. Online calculator with current 2026 market rates and clear breakdown.
Without Load
€17,908.48
With Load (5.0%)
€17,013.05
Load Costs
-€895.42
| Year | Without Load | With Load | Difference |
|---|---|---|---|
| 1 | €10,600.00 | €10,070.00 | -€530.00 |
| 2 | €11,236.00 | €10,674.20 | -€561.80 |
| 3 | €11,910.16 | €11,314.65 | -€595.51 |
| 4 | €12,624.77 | €11,993.53 | -€631.24 |
| 5 | €13,382.26 | €12,713.14 | -€669.11 |
| 6 | €14,185.19 | €13,475.93 | -€709.26 |
| 7 | €15,036.30 | €14,284.49 | -€751.82 |
| 8 | €15,938.48 | €15,141.56 | -€796.92 |
| 9 | €16,894.79 | €16,050.05 | -€844.74 |
| 10 | €17,908.48 | €17,013.05 | -€895.42 |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is the difference between ETFs and active funds?
ETFs passively track an index with low fees (typically 0.1-0.5% per year). Active funds have a manager who tries to beat the market but charge higher fees (1-2% plus possible performance fees).
What costs are associated with investment funds?
Key costs include the total expense ratio (TER), possible front-end load (Ausgabeaufschlag), custody fees, and transaction costs. These significantly impact long-term returns.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The fund calculator computes the performance of a fund investment accounting for front-end load, ongoing costs and taxes.
What is the Fund Calculator?
The fund calculator computes the performance of a fund investment accounting for front-end load, ongoing costs and taxes.
How does the Fund Calculator work?
Enter the investment amount, front-end load, ongoing costs (TER) and expected return. The calculator shows the net return after costs and compares different fund types. Both lump-sum investments and savings plans are supported.
Key Data and Facts
Front-end load at branch banks: 3-5%. At online brokers often 0%. Ongoing costs (TER): active funds 1-2%, ETFs 0.1-0.5%. Note partial exemptions.
Step-by-Step Guide
How to calculate the return on a fund step by step: 1. Choose the type of investment: lump-sum investment or savings plan. 2. Enter the investment amount: e.g. 20,000 EUR as a lump sum or 200 EUR per month. 3. Account for the front-end load: branch banks 3-5 %, online brokers often 0 %. The load reduces the amount actually invested. 4. Enter the ongoing costs (TER): actively managed funds 1.0-2.0 %, ETFs 0.10-0.50 %. The TER reduces the annual return. 5. State the expected gross return: e.g. 6 % p. a. for an equity fund. 6. Net return: gross return minus TER minus transaction costs. Example: 20,000 EUR lump sum, actively managed equity fund, 5 % front-end load, TER 1.5 %, gross return 6 %, 15 years. Amount invested after the load: 19,047.62 EUR. Net return: 6 % - 1.5 % = 4.5 %. Final assets: 19,047.62 x 1.045^15 = 36,770 EUR. Comparison with an ETF without a load, TER 0.2 %: 20,000 x 1.058^15 = 46,552 EUR. Cost advantage of the ETF: 9,782 EUR.
Calculation Example
20,000 EUR lump-sum investment, 15 years. Active fund (5% front-end load, 1.5% TER, 6% gross): final assets 36,770 EUR. ETF (0% load, 0.2% TER, 6% gross): final assets 46,552 EUR. ETF cost advantage: 9,782 EUR.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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