Planning Studio
Investment Fees Calculator
Compare a projection with your fee assumptions against the same projection with no fees at all, to see the real dollar impact over your horizon.
Your assumptions
The amount you're starting with today.
Added at the end of each month.
A hypothetical average gross annual rate of return.
The fund's own annual expense ratio.
An additional advisor fee layered on top, if any. Set to 0% to skip.
Projected fee impact
- Future value, no fees
- $144,573
- Future value, with fees
- $134,649
- All-in annual fee
- 0.50%
- Fee impact (lost growth)
- $9,924
- Fee impact, as % of no-fee outcome
- 6.86%
- Total fees actually charged
- $5,896
The “fee impact” figure above is the full difference between two complete projections run side by side — one with your fee assumption, one with no fee at all — not just the fee charged in the final year. Because fees are charged every month on the full balance (including growth the fee has already taken a cut of in prior months), the lost-growth figure is typically larger than “total fees charged” on its own.
Illustrative only — not a guarantee
This tool produces an illustrative, hypothetical projection based entirely on the numbers you enter. It is not a guarantee or prediction of future results, and it is not personalized investment, tax, or legal advice. Every assumption shown here (contribution amount, assumed rate of return, inflation, fees, and time horizon) is fully editable and has not been validated against your actual financial circumstances, goals, or risk tolerance.
Dollar figures are nominal (not adjusted for inflation) unless a figure is explicitly labeled real / inflation-adjusted. Actual investment results will vary and may be significantly lower or higher than any figure shown here.
Results from this tool may vary with each use and over time: changing any input, or running this same tool again later as your numbers or the markets change, can produce a different outcome than the one shown here.