Computavi

Investing tools

How much could fees change your investment?

Compare percentage and fixed fees under the same gross return, contributions and horizon, including their effect on future growth.

Use a return before the fees below. Fees paid and the final-value difference are different: fees can also reduce future growth. No tax or product-specific rules are included.

Investment-fee calculator inputs

Use the same currency throughout. Enter numbers without commas or currency symbols, for example 1000.50. Amounts allow two decimal places; rates allow six.

Your starting point

Money already saved or invested. Enter 0 if you are starting from nothing.
Added at the end of every month. Enter 0 for no additions.
An effective annual return before the fees shown here. This is an assumption, not a forecast; returns can be negative.
Use a whole number from 1 to 600. For 5 years, enter 60.

Fee option A

We charge one twelfth of this percentage on each post-growth monthly balance.
Charged after growth, before adding money. Capped at the available balance; unpaid fees do not create debt.

Fee option B

We charge one twelfth of this percentage on each post-growth monthly balance.
Charged after growth, before adding money. Capped at the available balance; unpaid fees do not create debt.

Calculate once. After that, valid edits update your result automatically.

Understand this estimate

Use a return before the fees below. Fees paid and the final-value difference are different: fees can also reduce future growth. No tax or product-specific rules are included.

Worked example

Starting with 1000 and adding 100 monthly for 12 months at 0% gives 2200 without fees, versus 2176 with a fee of 2 each month. At positive returns, the balance difference also includes growth lost to fees.

How we calculate this

The assumed return is effective per year. The monthly growth factor is (1 + yearly return / 100) raised to 1/12.

Each month earns growth on its starting balance, then pays any modelled fees, then receives contributions or makes withdrawals at month end.

Projections retain fractional cents internally and round only for display. Displayed rows can differ by a cent when added. Amounts above 10000000000000 are unsupported. Actual returns vary; tax, inflation and product rules are excluded unless explicitly entered.

After gross growth, deduct the annual fee percentage divided by 12 times the balance, then the fixed monthly fee (capped at what remains). Contributions follow. Actual fund charging schedules can differ.

Sources explain the underlying concepts; this calculator uses the conventions described above. It does not recommend a financial product.

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