ETF vs mutual fund calculator

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Use the growth calculator to compare scenarios. If a mutual fund has higher fees, reduce the return rate to estimate net performance.

Open the growth calculator → Index fund vs high-yield savings (main) → ETF savings calculator →

If you searched “ETF vs mutual fund calculator”, you’re usually deciding how fees and structure affect long-term growth.

Quick answer

  • Fees compound: even small annual fees can reduce long-term outcomes.
  • ETFs often have lower fees and trade like stocks; mutual funds may have different fee structures and trading rules.
  • Use the same timeline and contribution plan, then compare net returns after fees.
Run growth scenarios (calculator) → Compare ETF vs savings (calculator) → Main guide: index fund vs high-yield savings →

Try it in the calculator

Run your own assumptions (return rate, years, contribution amount).

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FAQ

Is this financial advice?

No — these tools are educational only and don’t include tax, fees, inflation, or your personal situation.

How do I compare ETFs vs mutual funds fairly?

Use the same contribution plan and timeline, then adjust the return rate down to account for higher fees.

Why do different calculators disagree?

Different sites assume different compounding and contribution timing. Compare scenarios consistently.