Investment Fee Calculator

Your details

The lump sum you invest today before any sales load is deducted.
Additional amount you add each year (enter 0 for lump-sum only).
The fund's expected annual return before any fees are deducted.
%
How many years you plan to stay invested.
years
One-time fee deducted from your initial investment when you buy. Index ETFs typically charge 0%. Many mutual funds charge 0-5.75%.
%
Annual operating cost deducted from the fund's net assets. Index funds average ~0.05%; actively managed funds often charge 0.5-1.5%.
%
Hidden cost from the fund trading its holdings. Low-turnover index funds may be near 0%; high-turnover active funds can exceed 1%.
%
One-time fee deducted from your final balance when you sell. Many funds charge 0%; some charge up to 2%.
%
Currency
Final value (with fees)Moderate fee drag
$124,357.86

Portfolio balance after all fees are applied over the full period.

Final value (no fees)$134,686.03
Total fee drag$10,328.16
Fee drag as % of no-fee value0.1%
Effective annual return0.06%
Total money invested$55,600.00
With Fees$179,957.86
No Fees$190,286.03

Wealth lost to fees: $10,328.16

  • Final portfolio value
  • Total invested

After 20 years, fees reduce your portfolio from $134,686 to $124,358.

  • You end up with 7.7% less wealth compared to a zero-fee scenario - a difference of roughly $10,328.
  • Your combined annual fee drag (0.60% per year) is above the low-cost threshold. Broad-market index ETFs often charge 0.03-0.20% total, which could save you thousands over 20 years.
  • Because fees compound in reverse, even a 0.5% annual difference in cost can erase 10-15% of terminal wealth over 20+ years.

Next stepContinue reviewing your holdings periodically to make sure expense ratios have not crept up after a fund restructuring.

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