{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/calculator/mutual-fund-calculator/schema.json",
  "title": "Mutual Fund Calculator inputs",
  "description": "Project a mutual fund balance and net return after contributions, sales loads, deferred charges, and operating expenses.",
  "type": "object",
  "properties": {
    "initialInvestment": {
      "title": "Initial investment",
      "type": "number",
      "default": 20000,
      "minimum": 0,
      "x-step": 100,
      "multipleOf": 100,
      "x-unit": "currency"
    },
    "annualContribution": {
      "title": "Annual contribution",
      "type": "number",
      "description": "Added at the end of each full year.",
      "default": 0,
      "minimum": 0,
      "x-step": 100,
      "multipleOf": 100,
      "x-unit": "currency"
    },
    "monthlyContribution": {
      "title": "Monthly contribution",
      "type": "number",
      "default": 1000,
      "minimum": 0,
      "x-step": 10,
      "multipleOf": 10,
      "x-unit": "currency"
    },
    "annualReturn": {
      "title": "Gross annual return",
      "type": "number",
      "default": 5,
      "minimum": -99.9,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "holdingYears": {
      "title": "Holding years",
      "type": "number",
      "default": 5,
      "minimum": 0,
      "maximum": 80,
      "x-step": 1,
      "multipleOf": 1
    },
    "holdingMonths": {
      "title": "Additional months",
      "type": "number",
      "default": 0,
      "minimum": 0,
      "maximum": 11,
      "x-step": 1,
      "multipleOf": 1
    },
    "salesCharge": {
      "title": "Front-end sales charge",
      "type": "number",
      "default": 2,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "deferredSalesCharge": {
      "title": "Deferred sales charge",
      "type": "number",
      "default": 0,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "operatingExpense": {
      "title": "Annual operating expense ratio",
      "type": "number",
      "default": 0.5,
      "minimum": 0,
      "maximum": 20,
      "x-step": 0.01,
      "x-unit": "percent"
    }
  },
  "required": [
    "initialInvestment",
    "annualReturn",
    "holdingYears",
    "holdingMonths"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "1.0.0",
    "calculatorUrl": "https://askcalculators.com/calculator/mutual-fund-calculator/",
    "queryExample": "https://askcalculators.com/calculator/mutual-fund-calculator/?initialInvestment=20000&annualContribution=0&monthlyContribution=1000&annualReturn=5&holdingYears=5&holdingMonths=0&salesCharge=2&deferredSalesCharge=0&operatingExpense=0.5",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "Balanceₜ = Balanceₜ₋₁ × (1 + r_net,m) + net contributions",
      "variables": [
        {
          "symbol": "r_net,m",
          "meaning": "monthly rate equivalent to gross annual return minus the operating expense ratio"
        },
        {
          "symbol": "net contributions",
          "meaning": "cash contributions after front-end sales charges"
        },
        {
          "symbol": "expense ratio",
          "meaning": "annual operating expense rate reflected in the projected net return"
        }
      ],
      "note": "Net IRR is solved from the investor's monthly cash outflows and final redemption value. The dollar expense figure is estimated separately from a gross-return tracking balance."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/mutual-fund-calculator.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "1.0.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "2026-08-25",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "endingValue": {
        "title": "Ending value",
        "type": "number",
        "x-format": "currency",
        "x-primary": true
      },
      "totalPrincipal": {
        "title": "Total principal contributed",
        "type": "number",
        "x-format": "currency"
      },
      "totalContributions": {
        "title": "Contributions after the initial investment",
        "type": "number",
        "x-format": "currency"
      },
      "netReturn": {
        "title": "Net return",
        "type": "number",
        "x-format": "currency"
      },
      "netIrr": {
        "title": "Net IRR",
        "type": "number",
        "x-format": "percent",
        "x-digits": 3
      },
      "salesCharges": {
        "title": "Front-end sales charges",
        "type": "number",
        "x-format": "currency"
      },
      "deferredCharge": {
        "title": "Deferred sales charge",
        "type": "number",
        "x-format": "currency"
      },
      "operatingExpenses": {
        "title": "Estimated operating expenses",
        "type": "number",
        "x-format": "currency"
      },
      "totalFees": {
        "title": "Total estimated fees",
        "type": "number",
        "x-format": "currency"
      },
      "grossGrowth": {
        "title": "Gross investment growth",
        "type": "number",
        "x-format": "currency"
      }
    }
  }
}