To obtain an accurate description of broad-band photometric star cluster evolution, certain effects should be accounted for. Energy equipartition leads to mass segregation and the preferential loss of low-mass stars, while stellar remnants severely influence cluster mass-to-light ratios. Moreover, the stellar initial mass function and cluster metallicity affect photometry as well. Due to the continuous production of stellar remnants, their impact on cluster photometry is strongest for old systems like globular clusters. This, in combination with their low metallicities, evidence for mass segregation, and a possibly deviating stellar initial mass function, makes globular clusters interesting test cases for cluster models. In this paper we describe cluster models that include the effects of the preferential loss of low-mass stars, stellar remnants, choice of initial mass function and metallicity. The photometric evolution of clusters is predicted, and the results are applied to Galactic globular clusters. The cluster models presented in this paper represent an analytical description of the evolution of the underlying stellar mass function due to stellar evolution and dynamical cluster dissolution. Stellar remnants are included by using initial-remnant mass relations, while cluster photometry is computed from the Padova 1999 isochrones.