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Investment Fee Calculator
See what an expense ratio and advisory fees cost over the years, with balances with and without fees.
Compare fees over time
Balance with fees: —
Balance without fees: —
Difference: —
Total fees paid: —
How to use the Investment Fee Calculator
- Enter the starting amount, any monthly contribution and the number of years.
- Set the expected gross return and the expense ratio plus advisory fee.
- Compare the balance with fees against the no fee balance and the fee drag.
Features
- Expense ratio and advisory fee combined
- Monthly contributions and monthly compounding
- Year by year table with and without fees
- Total fees paid and the closing shortfall
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Frequently Asked Questions
Common questions about the free online investment fee calculator.
Enter your starting amount, contribution, return and fees. The difference line shows what the
same portfolio would be worth without any fees.
It is the annual percentage a fund charges for running the portfolio. It is deducted from the
fund value, so you never see a separate bill.
An advisory fee pays a person or service for managing or advising on the portfolio. The tool
simply adds it to the expense ratio.
Fees are charged on the whole balance every year, so the money they remove also loses all of
its future growth, which compounds over decades.
The calculator deducts the annual rate in twelve equal monthly steps, which matches how most
funds and advisers charge.
No. It covers expense ratios and advisory fees only, so tax and trading costs are left out of
the comparison.
Yes. Everything is calculated in your browser and no figures are uploaded, stored or shared.
Yes. It is completely free, needs no account and there are no usage limits.
Last updated: October 10, 2026