Fund Expense Ratio Fee Calculator
See how much a fund's expense ratio costs you over time — the difference between your balance with and without fees.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter the amount invested, yearly contributions and expected return.
- 2Enter the fund's expense ratio (and optionally a cheaper fund's) to compare.
How it's calculated
Balance with fees grows at (return − expense ratio). Cost of fees = balance without fees − balance with fees.
Frequently asked questions
What's a typical expense ratio?
Broad index funds and ETFs often charge 0.03–0.20%. Actively managed funds commonly charge 0.5–1% or more.
Do fees really matter?
Yes. A 1% fee on a portfolio earning 7% takes about a quarter of the final balance over 30 years.
Are expense ratios billed to me?
No — they're deducted from the fund's assets daily, so you never see a bill, which makes them easy to overlook.