Retirement Toolkit

A 1% fee isn’t 1%.

Fees compound against you. The true cost is a multiple of the sticker price.

$
%
1.00%
yrs
of your final wealth goes to fees — the sticker price
Without fees
With fees
The compounding wedge
The gap is the true cost of the fee
Without fee
With fee

Educational purposes only. This calculator illustrates mathematical concepts related to long-term investing and is not financial advice. Past market returns do not guarantee future results. Portfolios can lose value. The formulas assume constant returns and do not account for taxes, fees, inflation, or sequence-of-returns risk. Consult a qualified financial professional before making investment decisions.