See how small investment fees compound into a large long-term wealth cost.
The no-fee scenario uses the same gross return and contributions, isolating the cost of the entered fee schedule.
Direct fees and opportunity cost accumulate over time.
| Year | After fees | Without fees | Direct fees | Wealth lost | Fee drag |
|---|
Investment fees look small when shown as an annual percentage, but their long-term cost has two parts: the fees directly deducted from the portfolio and the future compounding those deducted dollars no longer earn.
This calculator compares the same investment path with and without fees. That makes the total wealth gap visible while keeping annual management fees, upfront charges and contribution fees separate.
Because money removed as fees can no longer compound. The difference between the no-fee and after-fee outcomes includes both direct fees and the return those fees could have earned.
The annual fee is converted to an effective monthly charge and applied to the modeled portfolio balance. This avoids simply subtracting the fee percentage from the return as if both were identical.
Only the fees you enter are modeled. Taxes, spreads, performance fees and product-specific charges are not added automatically.