Investment fee impact comparison.
Compare annual percentage fees, ending balances and forgone growth on one lump sum.
UNDERSTAND THE ESTIMATE
How to use this planner
Compare two annual percentage-fee assumptions on one lump sum with the same gross growth and duration. Read fees paid separately from the ending-balance reduction.
The calculation
Each year, balance = previous balance × (1 + gross growth / 100) × (1 − annual fee / 100). Compare with a no-fee benchmark. The difference includes fees paid plus the growth those deducted fees would otherwise have earned.
Fees are applied once yearly after constant gross growth. No product quotes, market losses, contributions, withdrawals, taxes or fixed/transaction fees. Estimates are not financial advice.
SEC Investor.gov explanation of investment fees ↗ILLUSTRATIVE EXAMPLE
Follow the numbers
Start with 10,000, assume 0% gross growth and compare fees of 1% and 2% for one year. Ending balances are 9,900 and 9,800. Fees are 100 and 200; the no-fee benchmark remains 10,000.
Should I enter a return already reduced by these fees?
No. Use gross growth before the percentage fees being compared, or the same charge is counted twice. Actual products can charge on different bases or schedules. Taxes, contributions and fixed charges are excluded.