Investment Fee Calculator

Compare an investment plan’s ending value with and without ongoing, one-time and transaction fees.

Compare your investment plan with and without fees.

Calculation stays on this device

Initial investmentEURCurrencyRegular contributionEURDuration in yearsExpected annual gross return%Ongoing annual fee%

Example values, not a forecast

Total fee impact

€15,900.86

The modeled ending value is 12.95% lower.

Without fees: €122,759.08
After fees: €106,858.22
Fees deducted directly: €10,208.41
Lost investment growth: €5,692.45

Timeline, fee breakdown and annual table

Growth with and without fees

— Without fees-- After fees

Fee breakdown

Entry fees: €0.00
Contribution fees: €0.00
Ongoing fees: €10,208.41
Account/platform fees: €0.00
Exit fees: €0.00

Year	Without fees	After fees	Fees deducted directly
1	€13,065.31	€12,947.87	€114.47
2	€16,314.53	€16,041.36	€259.37
3	€19,758.71	€19,287.67	€436.20
4	€23,409.54	€22,694.35	€646.53
5	€27,279.41	€26,269.31	€892.03
6	€31,381.48	€30,020.88	€1,174.42
7	€35,729.68	€33,957.78	€1,495.54
8	€40,338.76	€38,089.17	€1,857.30
9	€45,224.40	€42,424.64	€2,261.69
10	€50,403.17	€46,974.28	€2,710.84
11	€55,892.66	€51,748.68	€3,206.94
12	€61,711.53	€56,758.93	€3,752.33
13	€67,879.52	€62,016.69	€4,349.43
14	€74,417.60	€67,534.18	€5,000.79
15	€81,347.96	€73,324.23	€5,709.11
16	€88,694.15	€79,400.32	€6,477.19
17	€96,481.10	€85,776.56	€7,307.98
18	€104,735.27	€92,467.79	€8,204.59
19	€113,484.69	€99,489.56	€9,170.26
20	€122,759.08	€106,858.22	€10,208.41

Simplified model with constant assumptions, not a forecast or investment, legal or tax advice.

Good to know

The investment fee calculator compares an investment plan with and without fees directly in your browser. Besides the ongoing annual fee, entry, per-contribution, account/platform, and exit fees can optionally be included as a percentage or fixed amount.

Typical searches include calculate investment fees, ETF fee calculator, and expense ratio impact. Calculation runs locally in the browser. Important: the ongoing fee should already include all recurring percentage costs — don't enter included components twice. With negative returns, money withdrawn earlier no longer shares in later losses, which is not a genuine fee saving.

Typical use cases

Assess the long-term fee impact of an ETF savings plan

Enter the expense ratio and planned contribution to see how much fees reduce the ending value over many years.

Compare different fee models

Model entry, exit, or account fees on top of the ongoing fee to realistically compare offers from different providers.

Tips for better results

Avoid double-counting costs

The ongoing annual fee should already reflect all included percentage costs — don't enter the same costs again as a separate item.

Interpret negative returns carefully

With negative returns, fee money withdrawn earlier no longer shares in later losses — this is visible in the math but is not a genuine fee saving.

How it works

Step by step

1
Enter the basic data
Enter the starting amount, contribution, term, and expected gross return.
2
Set the fees
Set the ongoing fee and enable entry, per-contribution, account, or exit fees if needed.
3
Review the fee impact
Review the ending value before and after fees, the fee breakdown, and the trajectory.

Features

Four fee types

Entry, per-contribution, account/platform, and exit fees are adjustable as a percentage or fixed amount.

Before-and-after comparison

See the ending value before and after fees, as well as the total percentage fee impact.

Calculate locally

Calculation happens entirely in the browser, without transmission to a server.

Frequently asked questions

Should I enter both TER and the ongoing fee?

No, only once. The ongoing fee should already reflect all included percentage costs such as the TER, to avoid double-counting.

Are my inputs uploaded?

No. Calculation runs entirely locally in the browser.

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