Expense Ratio Impact Calculator
Compare the long-term impact of lower and higher investment expense ratios.
Lower-Cost Ending Value
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Higher-Cost Ending Value
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Long-Term Difference
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First-Year Fee Gap
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Guide
How it works
Use this calculator to compare lower and higher expense ratios over time.
What this calculator does
The expense ratio impact calculator estimates how much more a lower-cost fund may be worth after years of compounding.
Expense Ratio Impact Formula
Ending Value = Investment x (1 + Gross Return - Expense Ratio)^Years
Example calculation
Compare a 0.05% fund with a 1.00% fund over 30 years to see the long-term difference.
When to use this calculator
- comparing funds
- evaluating index funds and ETFs
- understanding fee drag
- planning long-term investments
FAQs
Do small expense ratio differences matter?
They can. Small annual differences may compound into large long-term gaps.
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