Investment Fee Impact Calculator
Fees might seem small, but they compound against you over time. A 1% difference in fees can cost you hundreds of thousands of dollars over your investing lifetime.
Projecting over 30 years. Use the Full Analysis tab to customize the time horizon and compare multiple fee structures.
Total Lost to Fees
$161,775
$77,081 in direct fees + $84,694 in lost compounding
Without Fees
$987,051
With 0.75% Fee
$825,276
Returns Lost
21.4%
Portfolio Growth: With vs. Without Fees
Investment Parameters
Fund Fees
Estimated Amount Lost to Fees
$29,170
17.0% of total investment gains consumed by fees
Effective Annual Return
3.77%
Final Balance
$272,718
Without Fees
$301,888
Total Fees Paid
$18,480
If Fees Invested
$29,170
Growth Comparison
Shows portfolio growth with and without fees over the selected time horizon.
Fee Breakdown
Year-by-Year Breakdown
| Year | Balance (No Fees) | Balance (With Fees) | Fees This Year | Total Fees | Lost to Fees |
|---|---|---|---|---|---|
| 0 | $10,000 | $10,000 | $0 | $0 | $0 |
| 1 | $17,120 | $16,992 | $128 | $128 | $128 |
| 2 | $24,738 | $24,417 | $185 | $313 | $322 |
| 3 | $32,890 | $32,302 | $244 | $557 | $589 |
| 4 | $41,612 | $40,675 | $307 | $864 | $937 |
| 5 | $50,945 | $49,568 | $375 | $1,239 | $1,377 |
| 6 | $60,931 | $59,012 | $446 | $1,685 | $1,920 |
| 7 | $71,617 | $69,041 | $522 | $2,207 | $2,576 |
| 8 | $83,050 | $79,692 | $602 | $2,809 | $3,358 |
| 9 | $95,283 | $91,002 | $688 | $3,496 | $4,281 |
| 10 | $108,373 | $103,014 | $778 | $4,275 | $5,359 |
| 11 | $122,379 | $115,770 | $875 | $5,150 | $6,609 |
| 12 | $137,366 | $129,317 | $977 | $6,127 | $8,049 |
| 13 | $153,401 | $143,703 | $1,086 | $7,213 | $9,698 |
| 14 | $170,559 | $158,981 | $1,201 | $8,414 | $11,578 |
| 15 | $188,919 | $175,206 | $1,324 | $9,738 | $13,713 |
| 16 | $208,563 | $192,436 | $1,454 | $11,192 | $16,127 |
| 17 | $229,582 | $210,734 | $1,592 | $12,785 | $18,848 |
| 18 | $252,073 | $230,166 | $1,739 | $14,524 | $21,907 |
| 19 | $276,138 | $250,803 | $1,895 | $16,419 | $25,336 |
| 20 | $301,888 | $272,718 | $2,061 | $18,480 | $29,170 |
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Assumes constant annual return before fees; actual returns vary year to year.
- ·Does not account for taxes, inflation, or fund-specific trading costs.
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