Investment Fee Calculator

An annual fee is charged on your whole balance every year, so its cost compounds alongside returns. This calculator runs the same portfolio twice, with and without the fee, and shows the difference in ending value.

Your inputs

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Results

Portfolio without fees

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Portfolio after fees

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Cost of fees

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Share of ending value lost

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With fees vs without fees

Without feesAfter fees
Results are illustrative. Calculations run entirely in your browser, nothing you enter is sent anywhere, and no figure here is a forecast, a guarantee or investment advice. Markets can rise or fall.

How the calculation works

The fee is deducted from the return: the after-fee scenario compounds at return − fee, monthly, with contributions added each month. The difference between the two ending values is the cumulative cost, including growth the fees prevented.

Reading the result

Lower cost is not automatically better. A higher fee can buy access, features or service you need. The calculator shows the size of the trade-off so you can judge it.

Frequently asked questions

Do small fees matter?

Over long periods, yes. Because a percentage fee applies to the entire balance each year, its drag compounds in the same way returns do.

Does this include fund expense ratios?

Enter any recurring percentage cost: an advisory fee, a fund expense ratio, or both added together.

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