Cost of investing

Investment Fee Calculator

Estimate how an annual investment fee may reduce the value of a portfolio over time.

Balance without fees — Projected balance before investment fees
Balance after fees — Projected balance after the annual fee
Estimated impact of fees — Difference between the two balances

How investment fees affect growth

Investment fees may look small when shown as an annual percentage, but their effect can grow over long periods. Money removed for fees also loses the opportunity to earn future returns.

Annual value after fees (1 + return) × (1 - fee)
Estimated fee impact Balance without fees - balance after fees

The estimated impact includes both the fees deducted and the growth those dollars might otherwise have earned. Monthly contributions are assumed to be added at the end of each month.

Related guide

Planning for a future financial goal?

See how inflation, investment fees, and monthly contributions work together when building a plan.

Inflation, Investment Fees, and Savings Goals

Use the three calculators together to estimate the future target, return after fees, and monthly savings needed.

Read the future planning guide →

For educational purposes only. Results are estimates and assume a constant return, constant fee, and regular monthly contributions. Taxes, trading costs, fund performance changes, and other expenses are not included.