Fund Fee Impact Calculator
Compare two funds and see what fees really cost over time
How this calculator works
Fees are one of the few things in investing you can know in advance. Because they are charged every year on the whole balance, a difference that looks small compounds into a large one: each extra 1 percentage point of annual fees leaves roughly 18% less after 20 years and 26% less after 30.
Enter your contributions, the return before fees and each fund's total annual fee (management + custody + sales service). The calculator assumes both funds earn the same before costs, so the gap you see is purely fees.
Purchase and redemption fees and taxes are not included. This is an illustration, not investment advice.