Expense Ratio Calculator

See how much a mutual fund or ETF expense ratio costs you over time by comparing growth with and without fees.

Formula

Value after fees uses the net return (gross return − expense ratio), compounded monthly on the initial amount and each monthly contribution. Cost of fees = value with no fees − value after fees.

About this calculator

An expense ratio is charged every year on your whole balance, so its cost compounds. A difference of one percentage point can remove a large share of the final value over decades. Results are estimates for education and planning. They are not financial advice, and real returns are never guaranteed.

Amounts are shown without a currency symbol, so the calculator works for any currency: enter all values in the same one.

Frequently asked questions

What is a low expense ratio?

Broad index funds and ETFs often charge well under 0.5% a year, while actively managed funds commonly charge 1% to 2.5%. Compare funds within the same category.

Is the fee deducted from my account?

Not as a separate charge. It is taken from the fund's assets daily, so the published NAV and returns are already after the expense ratio.

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