See the long-term cost hidden inside a small percentage.
Compare projected portfolio value before and after an annual investment fee.
Fees reduce more than today’s balance.
The calculator compares two otherwise identical compound-growth scenarios. One uses the gross expected return; the other deducts the annual fee before converting the return to a monthly rate.
Fee impact = projected portfolio without fees − projected portfolio after fees
The calculation uses the values you enter and assumes the selected rates remain constant throughout the scenario.
A 1% annual fee is not only a recurring charge. It also removes capital that could have compounded, so the difference tends to widen over longer horizons.
Small percentages compound
A recurring fee reduces both current value and the future growth that value could have generated.
Compare like with like
Consider fund costs, platform fees and advisory charges without counting the same cost twice.
Cost is only one dimension
A higher fee may fund a valuable service. The question is whether the value justifies its long-term impact.
How to interpret the result
Is the result a prediction?
No. It is a transparent scenario based on your inputs. Returns, inflation, spending and personal circumstances can all develop differently.
How often should I update the calculation?
After a major financial change and at least a few times a year. For long-term decisions, consistent updates matter more than a one-time perfect estimate.
Does this calculator store my numbers?
No. The calculation runs in your browser. If you want history and a recurring monthly view, you can manage your figures inside Hugo.
Educational tool, not personal advice. Results use only your inputs and general assumptions. They are not investment, tax, legal or accounting advice.