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Investment fee impact calculator

Compare up to six fee scenarios against a fee-free benchmark and see ending balances, fees paid, growth lost, and a year by year chart.

Enter a balance or a contribution to price the fees.

The benchmark column is arithmetic, not a product: no fund has zero fees, so treat it as the ceiling every fee pulls you away from. The model assumes a constant return every month, percent-based fees only, no tax, no inflation, and no changes to the contribution. Real fee drag varies with what markets do; over a fixed horizon with a fixed rate it lands where the table says, and a 1 percent fee held for 20 years costs on the order of a sixth of the fee-free outcome, which is the whole point of the comparison.
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