Fee Drag Calculator
The compounding cost of advisor fees, expense ratios, and tax friction over the long run
Fee Drag Calculator
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%
yr
$
Impact of 1.00% Annual Fee
30-year horizon · 7% gross returnFinal w/o fee
$8,116,497
Final at 1.00% fee
$6,022,575
Lost to Fees
$2,093,922
29.4% of gross gains
Fee Tier Comparison
Click a row to highlight that fee in the chart above
| Annual Fee | Net Return | Final Value | Lost to Fees | % of Gains |
|---|---|---|---|---|
| 0.00%no fee | 7.00% | $8,116,497 | — | — |
| 0.25% | 6.75% | $7,533,245 | $583,252 | 8.20% |
| 0.50% | 6.50% | $6,991,798 | $1,124,700 | 15.80% |
| 1.00%typical | 6.00% | $6,022,575 | $2,093,922 | 29.42% |
| 1.50% | 5.50% | $5,187,388 | $2,929,110 | 41.16% |
| 2.00% | 5.00% | $4,467,744 | $3,648,753 | 51.27% |
Compounding math: every 1% in annual fees compounds against your gross gains. Over 30 years at 7% gross, a 1% fee typically eats ~25% of the wealth you'd have built without it.