On Aug 21, 12:35 pm, Crackles McFarly wrote:
OK, here is my example I am using
Initial investment of $500.00
With $100 per month, every month.
At a return rate of exactly 10%
For a period of exactly 25 years.

=fv(10%/12, 12*25, -100, -500)

Results in $21,838.02. Calculator result: $21,838. Where's the
error you are talking about?

But you are talking about mutual funds, not savings. I would not
estimate the "total return" over 25 years in that manner.