How this calculator works
This simplified model subtracts each expense ratio from the gross return, compounds the resulting net rate monthly, and compares it with a no-fee scenario.
Formula and methodology
Assumed net return = gross annual return − expense ratio
Values are calculated with full JavaScript numeric precision and rounded only for display.
Example calculation
Compare 0.03% and 0.25% fees on $10,000 plus $500 monthly over 30 years at an 8% gross return.
Understanding your results
Use the output to compare scenarios under consistent assumptions. It is most useful as a planning range: change the return, contribution, or duration and observe how sensitive the estimate is.
Key assumptions and limitations
- Expense ratios and gross returns stay constant.
- Tracking difference, taxes, spreads, trading costs, and portfolio changes are excluded.
- Fee impact is estimated, not an itemized fee ledger.
ETF Fee Calculator FAQs
What does this ETF fee calculator show?
It turns the assumptions you enter into a hypothetical estimate so you can explore long-term scenarios.
Does this calculator predict investment returns?
No. The return is a constant user-provided assumption; real returns vary and may be negative.
Are taxes and inflation included?
No. Results are nominal estimates and exclude taxes and inflation unless a calculator explicitly says otherwise.
When are contributions added?
Recurring contributions are modeled at the end of each selected contribution period.
Are fees included?
Fees are excluded except in the ETF fee calculator, which models expense ratios using a simplified net-return approach.
Can I enter a negative return?
Yes, returns greater than -100% are supported to help test downside scenarios.