Compare the real cost of investing

Investment Fee Calculator

See how fund, advisor, platform, trading and fixed fees change your ending balance and compound growth.

Investment plan

Set your assumptions

Initial investment $ Monthly contribution $ Investment period years Expected annual return % Currency Contribution timing

Scenario A

Fund expense ratio % Advisor fee % Platform fee % Annual fixed fee $

More fees

Annual fee cap$ Trade fee$ Trade percentage% Upfront fee% Upfront fixed fee$ Exit fee% Exit fixed fee$

Scenario B

Fund expense ratio % Advisor fee % Platform fee % Annual fixed fee $

More fees

Annual fee cap$ Trade fee$ Trade percentage% Upfront fee% Upfront fixed fee$ Exit fee% Exit fixed fee$

Comparison result

Scenario A leaves more invested.

Adjust any field to update the comparison instantly.

              Difference after fees
              $0.00
              between both scenarios
            

Scenario A balance $0.00 $0.00 total fee drag

Scenario B balance $0.00 $0.00 total fee drag

Portfolio growth

Balance by year

No fees Scenario A Scenario B

Fee breakdown

What the fees cost

Direct fees and missed growth are shown separately.

Metric	Scenario A	Scenario B

Understand the result

See direct fees and lost compound growth

Investment costs reduce a portfolio in two ways. The first is the amount charged directly. The second is the future growth that the deducted money no longer earns. This calculator separates those amounts so the long-term difference is easier to evaluate.

Compare complete fee structures

Combine fund, advisor and platform costs

Use the main fee fields for recurring percentages and annual fixed charges. Open “More fees” to add caps, transaction charges, upfront costs and exit costs. Each scenario is simulated month by month against the same no-fee baseline.

Calculation method

Monthly cash-flow simulation

Add the scheduled contribution and apply transaction costs.

Apply the monthly equivalent of the expected annual return.

Deduct recurring percentage and fixed fees, respecting any annual cap.

Compare both scenarios with an identical no-fee baseline.