Calculate fund units and NAV-based purchases, redemptions and values, with transparent loads and appropriate dated-return interpretation.
01 / NAV TRANSACTIONS
Start with an amount and two NAV quotes. Every transaction mode remains available; expand Advanced assumptions for loads, cost basis and optional comparisons.
NAV-based valuation is not a promise of future growth. Reported NAV usually already reflects fund expenses; an ongoing expense ratio is applied only in the explicitly hypothetical forward-fee mode.
Inputs stay in browser memory. No NAV lookup, upload or account is used. For recurring contribution forecasts, use the existing SIP Calculator; for generic growth assumptions, use the Investment Calculator.
02 / YOUR NAV-BASED RESULT
Current value and profit/loss use entered historical NAVs and the modeled terminal exit load. A return is descriptive, not a forecast.
Negative cash flow is money you paid in; positive cash flow is money received. Valuation is separate from actual transactions.
500 units at NAV 20 · fee $0.00 · 500 units remaining
Not an executed sale or extra cash receipt. The stated terminal exit load is included where applicable.
CSV includes transaction dates, NAV, signed unit changes, fees, external cash flows and remaining units. It excludes hypothetical projections and unexecuted terminal sales.
| Date | Transaction | NAV | Unit change | External cash flow | Load | Units remaining |
|---|---|---|---|---|---|---|
| 2025-01-01 | Purchase | 20 | 500 | $-10,000.00 | $0.00 | 500 |
NAV changes are not guaranteed and this is not investment advice. Taxes, distributions, reinvested dividends, settlement rules and institution-specific rounding are not inferred. Forward fee assumptions must use a pre-expense return, not an already net-of-expenses historical NAV return.
Enter your values locally; no inputs are uploaded.
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NAV and fractional units determine portfolio value. Transactions, external cash flows and modeled loads are reconciled separately from explicitly hypothetical future expense scenarios.
Check fractional units, fee-once accounting, dated redemption limits, supported annualization and user-defined NAV sensitivity.
Mutual Fund Calculator inputs and calculations remain in browser memory. No external processing API receives entered measurements, formulas, dates or financial values. Ordinary website page requests may still be logged. Clipboard access occurs only when you choose Copy Result.
Units = gross purchase cash minus entry load, divided by purchase NAV. For 10000 at NAV 20 with no entry fee, this is 500 units; with a 2% entry load, net investment is 9800 and units are 490.
Profit equals the remaining terminal net value plus past net redemption receipts minus gross external purchase cash. Entry and exit loads are applied once, while unused or already redeemed units are not valued again.
No. Transactions are sorted by date and retain entered order on same-day ties. A sale above the units available at that point is rejected. Standalone redemption mode also validates against the supplied held units.
A single dated purchase may use actual/365 CAGR when the holding interval is positive. Irregular dated cash flows use money-weighted XIRR only when a verified unique root is available; zero-day, one-sided or multiple-root cases do not receive a guessed annualized rate.
No. Reported NAV usually already reflects ongoing expenses. The expense-ratio mode is explicitly hypothetical and forward-looking, using a separately entered pre-expense return assumption. It does not reduce already reported historical NAV returns a second time.
No. Portfolio cost-basis comparisons and proportional basis allocation in standalone redemptions are descriptive illustrations, not tax accounting. Distributions, reinvestment, tax lots, settlement and fund-specific unit rounding require additional records and applicable rules.