Impact of fees on an investment
What 1% or 2% yearly fees really cost you over 10, 20 or 30 years.
How it works
Each month the balance grows by (return − fees) / 12 and gets the contribution. The two final balances are compared.
Results are for guidance only and do not replace professional advice.
Worked example
With the default values:
- Starting amount10000
- Monthly contribution200
- Gross annual return (%)7
- Years25
- Fees of option A (%/yr)0.2
- Fees of option B (%/yr)1.8
you get:
- What the extra fees cost you€52,143.21
- Final balance A (0.2%)€211,456.61
- Final balance B (1.8%)€159,313.40
- Total paid in€70,000.00
Frequently asked questions
How does the “Impact of fees on an investment” tool work?
Each month the balance grows by (return − fees) / 12 and gets the contribution. The two final balances are compared.
What do I need to enter?
Just fill in: starting amount, monthly contribution, gross annual return, years, fees of option a, fees of option b. The result updates as you type.
Can you give an example?
Starting amount: 10000; Monthly contribution: 200; Gross annual return (%): 7; Years: 25; Fees of option A (%/yr): 0.2 → What the extra fees cost you: €52,143.21; Final balance A (0.2%): €211,456.61.
Is this calculator free, and is my data private?
Yes. HOD Calc is completely free with no sign-up. The calculation runs in your browser: nothing you type is sent or stored.