Expense Ratio Calculator
See what a fund expense ratio quietly costs you over 30 years of compounding.
Your investment figures never leave your browser — every fee calculation runs locally.Try: Initial investment=10000, Annual return=7, Expense ratio=0.75, Years=30 → $61,640.79, $76,122.55, $14,481.77
How to use
Enter your starting amount, an assumed annual return, the fund expense ratio, and how long you hold it. The tool shows the ending balance with and without the fee, and the gap between them.
FAQ
Why does a small fee matter so much?
Because it is charged every year on a growing balance. Over 30 years even 0.75% can remove a fifth or more of your final balance.
Are expense ratios the only cost?
No — there can also be trading spreads and sales loads, but the expense ratio is the steady, visible drag.