Net Fees Calculator
Investment fees are usually quoted as a small percentage. See what that actually adds up to in dollars over the long run.
Your details
Fees could cost you
$14,132
Balance without fees
$120,856
Balance with fees
$106,723
Total fees paid
$14,132
This calculator approximates the cost of fees as the difference in compounded growth between your stated growth rate and that rate reduced by your annual fee. It does not account for taxes or inflation, and is not financial advice.
How to use this calculator
- 1. Enter your initial investment, regular contributions, investment period and expected growth rate.
- 2. Enter the annual fee percentage charged by your fund, platform or adviser.
- 3. Compare your projected balance with and without fees, and see the total cost of fees building up year by year.
FAQ
Why do small fee percentages matter so much?
Fees are charged on your whole balance every year, including on growth you've already earned. Over long periods, that compounds: a fee that looks small annually can quietly consume a large share of your final balance.
How is the fee cost calculated?
This calculator compares two projections: one growing at your stated rate, and one growing at that rate minus your annual fee. The difference between the two final balances is shown as the cost of fees.
Does a lower fee always mean a better outcome?
Not necessarily. Fees pay for services like active management, advice or platform features. This tool only shows the cost, not whether that cost is worth it for your situation.
Related reading
What Is a Managed Fund? A Beginner's Guide for Australians
What a managed fund actually is, how it structurally differs from an ETF, active vs passive managed funds, and why fees matter so much over the long run.
How to Choose an ETF: A Beginner's Checklist
A practical, step-by-step checklist for comparing ETFs: what actually matters, what to ignore, and the mistakes that cost beginners the most.
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Disclaimer
The results provided by this calculator are estimates only, based on the assumptions you enter, and are not a prediction or financial advice. Actual fees and returns will vary. Consider speaking with a licensed financial adviser before making any financial decision.