ETF Fee Impact Calculator

Compare how different expense ratios can affect long-term growth. This uses simplified math for learning (not predictions). Assumes fees reduce return and ignores taxes, trading costs, and changing market returns.

Enter your numbers and select Compare Fees to see results.
ETF fee impact inputs
Current amount invested (or starting deposit).
Amount added each month (optional).
Example rate you choose (not a prediction).
Time horizon for the comparison.
Example: 0.03% ≈ $3/year per $10,000 (approx.).
Example: 0.50% ≈ $50/year per $10,000 (approx.).
Ending Value (Low Fee)
—
Ending Value (High Fee)
—
Difference (Fee Impact)
—
Total Contributions
—

ETF Fee FAQs

What is an ETF expense ratio?

An expense ratio is the annual fee (as a percent) funds charge to operate. It’s taken out of the fund’s assets, which can reduce returns over time.

How do fees impact long-term growth?

Fees reduce the net return you keep each year. Over long horizons, that difference can compound into a meaningful gap in ending value.

Does this match how ETFs charge fees?

This is simplified. It models fees as a reduction to annual return and doesn’t model daily accrual, taxes, spreads, or changing returns.

Are higher-fee ETFs ever worth it?

Sometimes, but not automatically. A higher-fee fund would need to deliver enough additional value (after fees) to justify the cost.

Educational use only. This assumes the fee reduces return and ignores taxes, trading costs, and changing market returns.

Scroll to Top