We describe the interplay between stellar evolution and dynamical mass loss of evolving star clusters, based on the principles of stellar evolution and cluster dynamics and on a grid of N-body simulations of cluster models. The cluster models have different initial masses, different orbits, including elliptical ones, and different initial density profiles. We use two sets of cluster models: initially Roche-lobe filling and Roche-lobe underfilling. We identify four distinct mass loss effects: (1) mass loss by stellar evolution, (2) loss of stars induced by stellar evolution and (3) relaxation-driven mass loss before and (4) after core collapse. Both the evolution-induced loss of stars and the relaxation-driven mass loss need time to build up. This is described by a delay-function of a few crossing times for Roche-lobe filling clusters and a few half mass relaxation times for Roche-lobe underfilling clusters. The relaxation-driven mass loss can be described by a simple power law dependence of the mass dM/dt =-M^{1-gamma}/t0, (with M in Msun) where t0 depends on the orbit and environment of the cluster. Gamma is 0.65 for clusters with a King-parameter W0=5 and 0.80 for more concentrated clusters with W0=7. For initially Roche-lobe underfilling clusters the dissolution is described by the same gamma=0.80. The values of the constant t0 are described by simple formulae that depend on the orbit of the cluster. The mass loss rate increases by about a factor two at core collapse and the mass dependence of the relaxation-driven mass loss changes to gamma=0.70 after core collapse. We also present a simple recipe for predicting the mass evolution of individual star clusters with various metallicities and in different environments, with an accuracy of a few percent in most cases. This can be used to predict the mass evolution of cluster systems.