Fund fee impact calculator
A 1% annual fee sounds trivial. Compounded over a working lifetime it is not. See the gap for yourself.
Compounding Without compounding
You put in
£73,000
Growth
£179,111
Final
£252,111
Drag the years slider. Notice the curve barely lifts for a decade, then goes near vertical. That is why starting early matters more than the rate.
The thing most people get wrong
Over forty years, a 1% annual fee typically consumes something in the order of a quarter of your final pot. It is deducted whether the fund performs or not, it compounds against you exactly as returns compound for you, and it is one of the very few variables you control with certainty.
How to use it properly
- 1Set your contribution and horizon.
- 2Compare a return of 8% against 6% and read the difference in the final figure. That two-point gap is roughly what an expensive fund costs you versus a cheap tracker.
- 3Then go and look up the expense ratio on what you actually own.
Embed this on your site, free
Use it in a blog post, a forum answer or a course. No permission needed, no attribution required beyond the link that comes with it.
<iframe src="https://steadyshares.com/tools/fee-impact-calculator?embed=1" width="100%" height="620" style="border:1px solid #1e2942;border-radius:16px" title="Fund fee impact calculator by SteadyShares" loading="lazy"></iframe>
<p style="font-size:13px;margin-top:6px">Powered by the <a href="https://steadyshares.com/tools/fee-impact-calculator">fund fee impact calculator</a> from <a href="https://steadyshares.com">SteadyShares</a>.</p>