Expense Ratio Calculator

Calculate expense ratio impact on investments: see yearly fee, total fees and drag on returns over years.

Expense Ratio Calculator

Calculate expense ratio impact on investments: see yearly fee, total fees and drag on returns over years.

Investment amount($)

Expense ratio(%)

Years

Gross return(%)

Enter values above and click Calculate — results will appear here with the formula explained.

Yearly fee = investment*ratio; With compounding, total fees and net return: net = gross - ratio; FV with fee vs without

How does this work?

Expense ratio is yearly fee as percent of assets. 0.5% on $100k is $500/year, $15k over 30 years simple, but compounding makes it $50k+ drag.

Low-cost index 0.03% vs active 1% is huge over decades. This shows fee drag on growth.

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Disclaimer: Results are estimates for informational purposes only and do not constitute professional financial advice.

Quick Answer

Expense Ratio Calculator computes calculate expense ratio impact on investments: see yearly fee, total fees and drag on returns over years. Formula: Yearly fee = investment*ratio. Example: With $100k at 0.

How to Use This Calculator

1Enter investment, expense ratio %, years and gross return.
2Calculate to see yearly fee, total fees and net vs gross future value.
3Compare 0.03% vs 1% for 30 years.

Formula Used

Yearly fee = investment*ratio; With compounding, total fees and net return: net = gross - ratio; FV with fee vs without

Expense ratio is yearly fee as percent of assets. 0.5% on $100k is $500/year, $15k over 30 years simple, but compounding makes it $50k+ drag.

Low-cost index 0.03% vs active 1% is huge over decades. This shows fee drag on growth.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

728×90 — AdSense

Worked Example

With $100k at 0.5% for 30y at 7% gross: yearly fee $500 initial, total fees ~$55k, net FV $574k vs $761k without fees (difference $187k).

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Frequently Asked Questions

QWhat is good ratio?

Index funds 0.03-0.20% good, active 0.5-1% high.

QHidden fees?

Trading costs, bid-ask, cash drag add beyond stated ratio.

QHow to lower?

Use low-cost index, avoid loaded funds.

Formula Used

Yearly fee = investment*ratio; With compounding, total fees and net return: net = gross - ratio; FV with fee vs without

Expense ratio is yearly fee as percent of assets. 0.5% on $100k is $500/year, $15k over 30 years simple, but compounding makes it $50k+ drag.

Low-cost index 0.03% vs active 1% is huge over decades. This shows fee drag on growth.