Bonds · Vanguard

BND Investment Calculator

Broad exposure to US investment-grade bonds. Lower expected returns than stocks, but much smaller swings.

$
$
yrs
%
BND default: 3% a yearA round planning assumption for the Bloomberg US Aggregate Float Adjusted, not a guaranteed or historical figure. Change it above.
Subtract fund feesBND TER 0.03% a year
Show in today's moneyAdjust for inflation
Currency

Estimated result

BND · 2.97% net
$46,514

Estimated BND value after 25 years

You put in
$31,000
Investment growth
$15,514

33% of your final balance would come from growth, not from money you paid in.

Fees of 0.03% a year would cost about $202 over 25 years.

Return scenarios

Lower · 0%
$30,881
Base · 3%
$46,514
Higher · 6%
$73,412

Projected growth

Hover or tap the chart for any year
BND balanceYour contributions
$0$13k$25k$38k$50kNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 25

Assumes monthly compounding at a constant rate, with contributions at the end of each month. Educational estimate only: markets rise and fall, and taxes, fees, currency movements and trading costs change real results.

BND at a glance

Full nameVanguard Total Bond Market ETF
IndexBloomberg US Aggregate Float Adjusted
Annual fee (TER)0.03%
DividendsDistributing
DomicileUnited States
Main listingNasdaq (USD)
Default return used here3% a year (planning assumption)

Fund details checked November 2026. Always confirm current figures on the Vanguard factsheet.

Questions about BND

How much would $500 a month in BND be worth after 20 years?

At an assumed 3% a year minus the 0.03% fee, $500 a month for 20 years would grow to an estimated $163,614, from $120,000 paid in. Real returns will differ, so try the lower and higher scenarios too.

Is BND accumulating or distributing?

BND is distributing: dividends are paid out to you. This calculator assumes you reinvest them; if you spend them instead, your balance would grow more slowly.

What is the BND expense ratio?

BND has a total expense ratio (TER) of about 0.03% a year (data checked November 2026; confirm with Vanguard before investing). The calculator subtracts this from the return when fees are switched on.

Where is BND domiciled?

BND is domiciled in the United States. Non-US investors may face higher dividend withholding tax and possible US estate-tax exposure, so many look at Irish-domiciled alternatives.