Investment Fee Erosion Calculator
Enter the portfolio, returns and both fee structures.
Value lost to fees
β
Enter values above
Value with adviser
β
DIY value
β
Total fees paid
β
Annual fee drag
β
Fee share of final value
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Investment amount ($) | 250000 |
| Gross return (%) | 7 |
| Advisory fee (%) | 1 |
| Fund fee (%) | 0.5 |
| DIY fund fee (%) | 0.05 |
| Years | 25 |
| Result | Value |
|---|---|
| Value lost to fees | $387,747 |
| Value with adviser | $953,348 |
| DIY value | $1,341,096 |
| Total fees paid | $387,747 |
| Annual fee drag | 1.50% |
| Fee share of final value | 28.91% |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Investment Fee Erosion Calculator
- Investment amount ($) β default 250000
- Gross return (%) β default 7
- Advisory fee (%) β default 1
- Fund fee (%) β default 0.5
- DIY fund fee (%) β default 0.05
- Years β default 25
- Press Calculate to update the results instantly.
Frequently asked questions
It can be, for complex estates, tax planning or behavioural coaching that stops you selling at the bottom. It rarely pays for straightforward portfolio management that a low-cost index fund already solves.
Because it is charged on a growing balance every year. A 1.5% total fee costs roughly a third of the final value over 25 years, even though the annual percentage looks small.
Platform charges, trading spreads, fund transaction costs inside the portfolio and foreign withholding tax. Together they often add 0.3β0.6% a year on top of the headline fee.