Mutual Fund Holding Estimator
Calculate a single fund purchase from units and NAV, or a holding-period return including separate cash income.
Holding-period mode assumes no interim contributions or withdrawals. Income is cash paid out during this period: exclude income already reinvested in ending value. Blank or zero years gives no annualised rate; positive years uses compound annualisation. NAV mode excludes distributions. Both modes exclude taxes, fees, forecasts and investment advice.
Finite floating-point arithmetic; displayed values and report use the unrounded JavaScript numeric strings. Extreme magnitudes, absorbed changes and underflow are rejected; this is not exact monetary arithmetic.
Cost:
Current value:
Absolute change:
Percent change:
CAGR:
A QUICK WALKTHROUGH
How to use this tool
- Choose a mode
- Calculate a single fund purchase from units and NAV, or a holding-period return including separate cash income.
- Holding-period mode assumes no interim contributions or withdrawals. Income is cash paid out during this period: exclude income already reinvested in ending value. Blank or zero years gives no annualised rate; positive years uses compound annualisation. NAV mode excludes distributions. Both modes exclude taxes, fees, forecasts and investment advice.
Single purchase estimate
Cost = units × purchase NAV. Current value = units × current NAV. Absolute change and percentage change compare those two values; CAGR annualizes the change over the holding period.
Holding-period return
Holding-period mode assumes no interim contributions or withdrawals. Income is cash paid out during this period: exclude income already reinvested in ending value. Blank or zero years gives no annualised rate; positive years uses compound annualisation. NAV mode excludes distributions. Both modes exclude taxes, fees, forecasts and investment advice.
Calculation report
Finite floating-point arithmetic; displayed values and report use the unrounded JavaScript numeric strings. Extreme magnitudes, absorbed changes and underflow are rejected; this is not exact monetary arithmetic.
GOOD TO KNOW
Common questions
Can the return be negative?
Yes. A loss may exceed cash income; the lowest possible total return is −100%.
How are years used?
Blank or zero years omits annualisation in holding-period mode. Positive years applies (gross return factor)^(1/Y) − 1, including −100% for a total loss.
Which income belongs here?
Cash distributions received during the period, excluding reinvested amounts already included in the ending value.