Investment Fee Analyzer
Analyze how investment fees impact your long-term returns. Even small differences in fees can significantly reduce your wealth over time. This tool helps you visualize the true cost of fees and find ways to optimize your portfolio.
Your Investments
| Investment | Initial Amount | Annual Fee (%) | Years | Action |
|---|---|---|---|---|
| Index Fund |
Understanding Investment Fees
Investment fees might seem small, but they can significantly impact your returns over time. A 1% difference in fees can reduce your final portfolio value by 20% or more over 30 years.
Expense Ratio
Annual fee charged by funds (typically 0.03% to 1.5%)
Advisory Fees
Fees charged by financial advisors (typically 0.5% to 1.5%)
Transaction Costs
Costs for buying/selling investments
Load Fees
Sales charges when buying or selling certain funds
Fee Reduction Strategies
- Choose low-cost index funds over actively managed funds
- Look for no-transaction-fee funds and commission-free ETFs
- Consider direct indexing for larger portfolios to avoid fund fees
- Minimize account maintenance fees by meeting minimum balance requirements
- Consolidate accounts to potentially qualify for lower fee tiers
Add an investment to see fee impact analysis
Enter your investment details in the table above to visualize how fees affect your long-term returns.
This calculator assumes a constant annual return of 7% before fees and does not account for inflation, taxes, or changing fee structures. Actual results may vary. This tool is for educational purposes only and does not constitute investment advice.