Expense Ratio Drag Calculator

Measure the fee as a share of your expected annual return.

Your investment figures never leave your browser — every fee calculation runs locally.

Try: Initial investment=10000, Annual return=7, Expense ratio=0.75, Years=30 → 700.0%, 625.0%, 75.0% (10.7% of return), $14,481.77

How to use

A 0.75% fee on a 7% return is not about 10% — it is more than 10% of every year growth taken off the top, year after year.

If the fee is 0.75% and your return is 7%, the fee consumes roughly 11% of your annual return before compounding.