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Index Fund Calculator

Calculate index fund investment returns over time. See how passive investing in index funds grows your wealth with low fees and market returns.

Index funds track a market index (like the S&P 500) with ultra-low fees (0.03-0.20%) and have outperformed 90% of actively managed funds over 15+ year periods. This calculator shows the power of consistent passive investing over time.

Tips for Index Fund

1

Index funds charge 0.03-0.20% in fees vs 1-2% for active funds — this difference compounds to tens of thousands over decades

2

Warren Buffett recommends index funds for most investors: 'A low-cost index fund is the most sensible equity investment for the great majority of investors'

3

Broad market index funds (total market or S&P 500) provide instant diversification across hundreds of companies

Frequently Asked Questions

Which index fund should I invest in?
For beginners, a total stock market index fund (like Vanguard VTI or Fidelity FSKAX) or an S&P 500 fund (VOO, SPY) are excellent choices. For international diversification, add a total international fund (VXUS). Keep it simple.
Last updated: April 2026

Data sources: Standard mathematical formulas

For informational purposes only. Not financial, medical, or legal advice. Always consult a qualified professional for decisions affecting your finances or health.

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