Fund fee calculator
An expense ratio looks small, but it's taken every year from everything you have in the fund. See it in dollars, over the years you'll hold it, and next to another fund.
Fund A: fees this year
$30
Show the math
annual fee = holding value × expense ratio
$100000.00 × 0.03% = $30.00
Expense ratios come from the fund's prospectus; this assumes the value stays constant for the year.
Fund A: cost over 30 years
$4,857
Show the math
fee drag = V × (1 + r)^n − V × (1 + r − er)^n
$574349.12 − $569492.53 = $4856.59
Assumes a constant 6% annual return, compounded yearly, with no contributions or withdrawals.
The return is an assumption, not a forecast.
Fund B: fees this year
$750
Show the math
annual fee = holding value × expense ratio
$100000.00 × 0.75% = $750.00
Expense ratios come from the fund's prospectus; this assumes the value stays constant for the year.
Fund B: cost over 30 years
$110,194
Show the math
fee drag = V × (1 + r)^n − V × (1 + r − er)^n
$574349.12 − $464155.11 = $110194.01
Assumes a constant 6% annual return, compounded yearly, with no contributions or withdrawals.
The return is an assumption, not a forecast.
Over 30 years the difference is $105,337 (Fund B costs more).
Cost over time is the gap between growing the amount at the return you entered and at that return minus the expense ratio, compounded yearly, with nothing added or taken out. It's an illustration, not a forecast, and leaves out trading costs, advisory and account fees. Fund expense ratios were checked against each fund's own documents (as of 2026-10-18); funds change their fees, so check the fund's current prospectus. Nothing you type here leaves your browser.