GlenCalc

Mutual fund calculator

Small yearly fees compound into large sums. Enter a fund’s expense ratio and sales charge to see the ending balance and what the fees take compared with a fee-free return.

Your answer

Ending balance after fees$126,004.63
Cost of fees$14,199.49
Balance with no fees$140,204.12
Total invested$58,000.00
Return after expense ratio6.198 %

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How we worked it out

Updated as you change the numbers.

  1. Return after expenses = (1 + 7%) × (1 − 0.75%) − 1.
  2. A 0% load is taken from each purchase before it is invested.
  3. Both balances grow monthly at the equivalent monthly rate; the difference is the cost of fees, including the growth they would have earned.

Method and assumptions

The expense ratio is deducted from the fund’s assets continuously, which lowers the return you receive each year. A front-end load is a percentage taken from each purchase. The fee cost shown includes the growth the fees would have earned had they stayed invested.

Questions

How much does a 0.75% expense ratio cost over 20 years?

On $10,000 plus $200 a month at 7% before fees, about $14,200.

Sources

Method and figures checked on . Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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