ETF Total Return Calculator
Combine price return, reinvested dividends, and expense ratio drag into one projection — for any ETF — with a growth breakdown chart.
Price appreciation only, before the expense ratio is deducted.
Deducted from the price return above as an ongoing drag.
When off, dividends accumulate as uninvested cash instead of buying more shares.
Hypothetical scenario, not a prediction. Past performance does not guarantee future results.
Final balance
$396,542
Total contributed
$130,000
Total growth
$227,638
Total dividends
$38,904
Annual dividend income (final year)
$4,918
Why model price, dividends, and fees together
Comparing ETFs on price return alone can be misleading — a fund with a lower headline price return but a higher dividend yield and lower expense ratio might still come out ahead on total return. This calculator keeps all three inputs separate and explicit so you can see exactly how each one contributes to the final number, rather than blending them into a single assumption.
Related tools
- ETF dividend calculator — isolate just the income side for any ticker
- S&P 500 calculator — a full-featured version tuned to S&P 500 index investing
- Compare funds — side-by-side fact tables and growth comparisons for popular ETFs
Frequently asked questions
This calculator provides hypothetical estimates for educational purposes only and is not financial, tax, or investment advice. Past performance does not guarantee future results. voocalculator.app is not affiliated with, endorsed by, or sponsored by The Vanguard Group. VOO is a trademark of its respective owner. See our full disclaimer.