Here you can download the fund cost calculator that suits your investment needs. You can choose between a calculator for one-off investments and fund savings if you want to invest something over a longer period of time.
To do this, simply click on the link. Your computer will then ask you whether you want to open the file or save it to your hard drive. Select “Save File.”
Download cost calculator
In order for the calculator to work, you need
You can now open and use the computer with a common Office program.
Which of the two computers is right for you?
If you want to invest a certain amount once, use the calculator above entitled “One-time investment in funds”. If you are interested in how your money develops with a monthly savings rate, use the calculator below entitled “Fund Savings Plan”.
What data can you enter?
All numbers are in the column with the generic term “Your entries”. blue marked. This is the column where you can enter your information. Simply replace the default number with the value you want to calculate with. You can enter the following data into our calculator:
- The investment amount (as a one-off investment or savings rate per month) in euros
- The investment period in years
- The gross return (before costs!) in percent
- The amount of the issue premium in percent
- The amount of the management fee in percent
- The comparative interest rate for a daily money investment in percent
How do you enter the data correctly?
1. The investment amount
Replace the default value of 10,000 euros for a one-time investment or 100 euros for a monthly savings rate with your investment amount. No calculation will take place if you accidentally enter a negative investment amount.
2. The investment period
Replace the default of 10 with a number between 1 and 40. This is the number of years you want to invest your money. If you accidentally enter a negative number for the investment period, no value will be calculated. If you enter a number greater than 40, the calculation will be carried out for the maximum possible period of 40 years.
3. The gross return
Replace the default value of 6 percent with the return (before costs) that you want to use to calculate the development of the investment. No calculation takes place if you enter a negative gross return.
4. The issue premium
Replace the default value of 5 percent with the front-end load you have to pay for the fund. If you accidentally enter a negative value, it will be set to 0 for the calculation.
A notice: We use the net method in this calculator. This means that with a savings contribution of 100 euros and an issue fee of 5 percent, an investor receives fund shares amounting to 95.24 euros. Calculation: 100/(100+5)*100 = 95.24. The 4.76 euros missing from the savings contribution of 100 euros is the issue premium to be paid.
5. The administration fee
Replace the default value of 1.5 percent with the management fee you have to pay for the fund you are interested in. If you accidentally enter a negative value, it will be set to 0 for the calculation.
6. Interest rate for the overnight money
To check how the investment fund compares to a risk-free and free daily investment, you can replace the default value of 3 percent with your own assumption.
Where can you find the result of the calculation?
To the right of the entries you will find the investment result. You will find out in detail:
- final amount
- Income before costs
- Total cost
- Income after costs
- Net return per year
- Final amount of daily allowance
- Difference fund minus daily money
How do you read the result?
When you see the final amount, you will find out what became of your investment in euros and cents. This is the value that you will receive at the end of the term (taxes are not taken into account) – provided that all the entries you made actually occurred in practice.
The return before costs shows how much income your money has generated over the years. Directly below it is how much you paid in euros and cents during the term in terms of issuing surcharge and ongoing fees. The income before costs minus the total costs results in the income after costs. If you add your own savings contributions to the income after costs, you will come back to the final amount.
Example of the preset values:
One-off investment: 4,923.74 euros in income after costs added to the investment amount of 10,000 euros results in the final amount of 14,923.74 euros.
Savings plan: 2,453.82 euros in income after costs added to your own savings contributions of 12,000 euros (100 euros x 12 months x 10 years) results in the final amount of 14,453.82 euros.
The net return per year is of central importance. Here you can see what influence the issue charge and management fee have. With the preset numbers you can see that of the 6 percent gross return after costs, there is only 4.01 percent net return left for the one-off investment and 3.65 percent net return for the fund savings plan. You can see in this line how much is left of your investment based on the values you have entered.
In order to compare whether the investment fund investment is advantageous over the risk-free and free daily money, the final amount you would have achieved with the daily money is stated. If the mutual fund is more advantageous, the difference is shown as a green number. If the daily money is more advantageous, the difference is shown in red.
Why can it happen that there is nothing in the investment result column?
Are there only zeros everywhere? Check your entries. Is the investment amount or the term in years negative? Then no calculation takes place.
Do you suddenly see hash symbols instead of numbers? Then you have assumed a very optimistic gross return over a long term. This will produce such a high result that it can no longer be displayed in our table. Reduce the gross return and/or the term, possibly also the investment amount. You will see that results will be shown again afterwards.
Can the net return become negative?
That can happen. Since you cannot enter a negative gross return in our calculator, this can only happen if the costs are higher than the returns. Then your capital shrinks. That means – stay away from this investment.
