Expense Ratio Calculator

Your details

Analyze one fund or compare two funds side by side.
Lump sum you invest today.
Amount you add at the end of each year. Use 0 for a one-time investment.
How many years you plan to hold the investment.
years
Estimated gross return of the underlying market or index, before fees. Historical S&P 500 average is roughly 10% before inflation.
%
Annual fee expressed as a percentage of assets. Index ETFs typically range from 0.03% to 0.25%. Active funds often charge 0.5% to 1.5%.
%
Currency
Portfolio value (with fees)Moderate fee drag
$166,942.28

What your portfolio grows to after the expense ratio is deducted each year.

Portfolio value (no fees)$183,895.46
Total fee drag$16,953.18
Total contributions$70,000.00
Net annual return7.25%
Fees as % of no-cost value9.2%
With fees$166,942.28
No fees (theoretical)$183,895.46

Your fund fees cost you 9.2% of potential returns over 20 years.

  • At 0.75% per year your expense ratio will cost you $17.0k over 20 years.
  • That fee drag equals 9.2% of the portfolio value you would have reached with a zero-cost fund.
  • Index ETFs from major providers (Vanguard, Fidelity, iShares) routinely charge under 0.10%. Switching to a comparable low-cost index fund could capture most of that drag back.

Next stepCompare this fund to a low-cost index alternative using the compare mode above, then check that the active manager has consistently beaten the index by more than the fee difference.

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