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//// Markets · Cost Analysis

Investment Fee Calculator

Punch in your portfolio, expected return, expense ratio, and advisor fee — see the true dollar cost of fees over your horizon, a gross vs net bar chart showing fee drag year by year, and what a 1% AUM fee really costs you.

$
$
% /yr
years

0.04% = index fund
% /yr
0% if self-directed
% AUM/yr
front-end load
% one-time

Fees will cost you

$12,503

over 30 years — 0.00% of your gross portfolio

Gross (no fees)

$1,291,966

100% of returns kept

Net (after fees)

$1,279,463

$12,503 lost to fees

Growth Over Time

Yr 6$126,688
Yr 12$250,424
Yr 18$450,072
Yr 24$772,204
Yr 30$1,291,966
Net (after fees) Gross (no fees) — gap = fee drag

Fee Breakdown

Expense ratio cost$12,503
Total cost$12,503
% of gross portfolio lost0.97%

The 1% Rule

Adding a 1% advisor fee to your current setup would cost you an additional $276,156 over 30 years. That's the compounding cost of a fee that sounds small but erodes returns every single year. Index funds typically charge 0.03–0.20% vs 1–2% for active funds.