📈 Free Calculator

See your money grow — then see what fees steal back

Project your investment growth over time, visualize the power of compounding, and uncover how expense ratios silently erode your returns.

Initial Investment ($)

Monthly Contribution ($)

Annual Return Rate (%)

Investment Period (Years)

Compounding Frequency

Final Balance

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after 30 years

Total Contributions

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initial + monthly deposits

Interest Earned

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compound growth

⚡

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Growth by 5-Year Interval

Contributions

Interest Earned

Year	Balance	Contributions	Interest Earned	Growth Multiple

For informational purposes only. Not financial advice. Assumes a constant rate of return — real investments fluctuate. Does not account for taxes or inflation. Actual results will vary.

The Silent Fee

What expense ratios steal from your returns

Same inputs, three different annual fees. Run the calculator above to populate your numbers.

↑ Run the calculator above to populate these numbers

0% Fee · Index Fund

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Calculate above first

0.5% Annual Fee

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Calculate above first

1% Annual Fee

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Calculate above first

A 1% expense ratio doesn't just cost you 1% per year — it also costs you the compounding growth on that amount. The drag accelerates as your balance grows.

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