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Investing

How much do investment fees cost you?

A difference of one percent a year looks small, but it is taken every year from the whole amount. Enter your deposits and expected return, then the yearly fees of two funds — you see the final value of both and how much the more expensive one costs you.

Fund A at the end
411,994 $
Fund B at the end
300,237 $
Fund B costs you
111,758 $
27.1 % of the final value
1: Fund B 14,221 $, Lost to the higher fee 191 $12: Fund B 18,661 $, Lost to the higher fee 462 $3: Fund B 23,332 $, Lost to the higher fee 822 $4: Fund B 28,246 $, Lost to the higher fee 1,282 $5: Fund B 33,415 $, Lost to the higher fee 1,852 $56: Fund B 38,853 $, Lost to the higher fee 2,543 $7: Fund B 44,574 $, Lost to the higher fee 3,369 $8: Fund B 50,593 $, Lost to the higher fee 4,341 $9: Fund B 56,924 $, Lost to the higher fee 5,477 $10: Fund B 63,585 $, Lost to the higher fee 6,791 $1011: Fund B 70,592 $, Lost to the higher fee 8,300 $12: Fund B 77,963 $, Lost to the higher fee 10,025 $13: Fund B 85,718 $, Lost to the higher fee 11,985 $14: Fund B 93,876 $, Lost to the higher fee 14,202 $15: Fund B 102,458 $, Lost to the higher fee 16,700 $1516: Fund B 111,486 $, Lost to the higher fee 19,506 $17: Fund B 120,984 $, Lost to the higher fee 22,647 $18: Fund B 130,976 $, Lost to the higher fee 26,153 $19: Fund B 141,487 $, Lost to the higher fee 30,058 $20: Fund B 152,545 $, Lost to the higher fee 34,396 $2021: Fund B 164,178 $, Lost to the higher fee 39,206 $22: Fund B 176,416 $, Lost to the higher fee 44,530 $23: Fund B 189,290 $, Lost to the higher fee 50,411 $24: Fund B 202,834 $, Lost to the higher fee 56,899 $25: Fund B 217,082 $, Lost to the higher fee 64,044 $2526: Fund B 232,071 $, Lost to the higher fee 71,903 $27: Fund B 247,839 $, Lost to the higher fee 80,536 $28: Fund B 264,427 $, Lost to the higher fee 90,008 $29: Fund B 281,878 $, Lost to the higher fee 100,390 $30: Fund B 300,237 $, Lost to the higher fee 111,758 $30
Fund BLost to the higher fee
YearFund A at the endFund B at the endLost to the higher fee
114,411 $14,221 $191 $
219,123 $18,661 $462 $
324,154 $23,332 $822 $
429,528 $28,246 $1,282 $
535,267 $33,415 $1,852 $
641,396 $38,853 $2,543 $
747,943 $44,574 $3,369 $
854,934 $50,593 $4,341 $
962,401 $56,924 $5,477 $
1070,375 $63,585 $6,791 $
1178,892 $70,592 $8,300 $
1287,988 $77,963 $10,025 $

The result is an estimate for orientation, not financial advice or an offer. Actual terms are set by your bank or provider.

How we calculate

Both funds use the same monthly compounding as the investment calculator: the monthly rate is (1 + (return − fee))^(1/12) − 1 and each deposit is added at the start of the month.

The cost of fees is the final value with the lower fee minus the final value with the higher fee — it includes the growth the fees took away, not just the fees paid.

The return is an assumption, not a promise. Fund fees (TER, platform and advice fees) are in each fund’s key information document.

Formulas and rates checked: 10/21/2026

Questions

Where do I find a fund’s fees?
In the key information document (KID/KIID) and the price list of the platform. Add up the ongoing charge (TER) and any platform or advisory fee.
Is a cheaper fund always better?
Not automatically — compare funds that invest in the same thing. For the same investment, a lower fee leaves more of the return to you.
Why is the cost higher than the fees I pay?
Because money taken as fees can no longer grow. Over decades the lost growth is often bigger than the fees themselves.