Investment Fee Calculator — See How Fees Destroy Your Wealth

Compare your current fund against a low-cost alternative and see how expense ratios compound over time. Even a small fee difference can quietly erase a meaningful slice of your future portfolio.

Initial investment ($)

Monthly contribution ($)

Years to grow

Annual return before fees (%)

Fund A expense ratio (%) — Your current fund

Fund B expense ratio (%) — Low-cost alternative

Fund A final balance

Fund B final balance

Total fees paid (Fund A)

Total fees paid (Fund B)

Difference (money lost to fees)

Percentage of wealth lost to fees

Year-by-year comparison

Year	Your current fund	Low-cost alternative

Why fees matter so much

A 1% annual fee sounds small, but it charges you every single year on an ever-growing balance. That means you are not only losing money to fees—you are losing all the future growth that money could have earned.

Broad-market index funds often have expense ratios near 0.03% to 0.10%, while actively managed mutual funds can easily sit near 0.75% to 1.25% or higher. The longer your horizon, the more brutal that gap becomes.

Track your portfolio with better visibility

Use the Investment Tracking Spreadsheet to monitor balances, contributions, expense ratios, and performance in one place.

See the Investment Tracking Spreadsheet

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