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Investing
Estimate the long-term compounding drag from recurring investment fees.
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FinTrex result
Investment Fees Impact Calculator
Estimated value lost to fee drag
$117,087
Projected balance after fees
$545,806
Projected balance before fees
$662,893
Projection over time
Period 0 to 25
Peak $117,087
What changes this most?
Small annual fees can create a large long-term gap because every fee also removes future compounding.
Sensitivity check
A roughly 10% move in time horizon changes the modeled headline result by up to $37,819 in this setup.
The difference includes both the asset-based fees and the compound growth those deducted amounts no longer earn. Actual products can charge fees on different dates and bases.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Milestones
Milestones make the final figure easier to evaluate and help you spot when the curve changes most.
Period 6
$5,769
Period 13
$23,613
Period 19
$56,272
Period 25
$117,087
Formula
The portfolio is projected twice: once at the gross return and once after applying the annual asset-based fee multiplicatively to the portfolio value.
The annual return is treated as an effective annual return. The model derives a net effective annual factor as (1 + gross annual return) × (1 − annual asset-based fee), then converts that net annual factor to an equivalent monthly rate for the projection. This is a simplified proportional-fee convention; actual products can deduct fees on different dates or bases. Trading costs, taxes, performance fees, transaction charges, and changing fee tiers are excluded.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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