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Enter values above, then calculate. Use the output to inspect the assumptions—not to predict a return.
Tool / long-term costs
Investment fee calculator
Enter a starting amount, monthly contribution, return assumption, annual fee and time horizon. The result compares simplified monthly compounding before and after the fee; it is an illustration, not a performance forecast or provider quote.
Runs in your browserNo account · No API key
local only
How to use it
Numbers are clearer when the assumptions are visible.
Start with the default example. Change one input at a time and notice which part of the result moves. Then read the explanation below before using any real-world number.
- Use your account currency consistently.
- Include costs and uncertainty outside the simple model.
- Verify the product’s own contract or fee rules.
Quick answer
The short answer
An annual investment fee reduces the return base every year, so its long-term effect can be much larger than one year's charge. This calculator compares two constant-rate scenarios—with and without the entered annual fee—to show the compounding difference.
How the comparison works
The no-fee scenario converts the entered annual return into an equivalent monthly rate. The fee-adjusted scenario subtracts the annual fee from that return assumption before converting it. Both add the same contribution at the end of each month.
Actual fees may be charged daily, monthly, per transaction or as fixed amounts, so a provider statement can differ from this teaching model.
Working modelIllustrative fee impact = no-fee value − fee-adjusted value
Read every layer of cost
An expense ratio or management fee may not include advice fees, trading commissions, spreads, fund transaction costs, taxes or currency conversion. Ask for the complete schedule and compare services as well as price.
Use conservative return assumptions and several time horizons. A precise output is still based on uncertain future returns.
- Use the same contribution timing in both cases.
- Check percentage and fixed fees.
- Include account and advice charges separately.
- Compare actual disclosures before deciding.
Primary references
Continue with original sources.
These links provide definitions and current context. Product rules, regulation and network details can change, so verify time-sensitive information at the source.
Common questions
Before you move on
Does the value difference equal fees paid?+
Not exactly. It includes both the simplified fees and growth that the deducted money no longer earns.
Can returns be negative?+
Yes. The model accepts an annual assumption above −100%, but real returns are uneven.
Does this include tax or inflation?+
No. Both are outside this comparison.
Are all fund costs included in an expense ratio?+
Not necessarily. Read the prospectus, account agreement and fee schedule.