Why do small fees matter?

Over decades, a 1% fee compounds against you and can consume a large share of your final balance.

What is an expense ratio?

It is the annual percentage a fund charges to manage your money, taken straight from your returns.

Investment Fee Calculator

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Investment ($)

Years

Annual return (%)

Higher fee (%)

Lower fee (%)

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See how a small difference in fund fees quietly eats into your long-term returns. Free, no signup.

How to use Investment Fee Calculator

Open the toolNo signup and nothing to install; it works as soon as the page loads.
Set “Investment”
Set “Years”
Set “Annual return”
Set “Higher fee”
Set “Lower fee”
Read the resultChange any input and the result is recalculated immediately.

Worked example with the defaults

MONEY LOST TO FEES · Over 30 years the higher fee costs $135,288: $135,288

Nothing you enter leaves your device

All of the work happens inside your browser. Whatever you type is never packaged up and sent to a server, and no request this page makes carries it.

That makes it safe for contract amounts, personal details and internal documents you would rather not hand to a third party — close the tab and it is gone.

What this tool does not do

Investment Fee Calculator only does what a browser can do on its own — it talks to no backend service. So it keeps no history for you and syncs nothing across devices; if you need a record, copy or download the result.

It is also not a substitute for professional judgement. For legal, medical or tax decisions, treat the output as a starting point rather than a final answer.

Frequently Asked Questions

Why do small fees matter?: Over decades, a 1% fee compounds against you and can consume a large share of your final balance.
What is an expense ratio?: It is the annual percentage a fund charges to manage your money, taken straight from your returns.