Mutual Fund Calculator — Expense Ratio Fee Impact (Index vs. Active)
Compare mutual fund growth with and without expense ratios. See how a 1% fee can cost 25-30% of returns over 30 years with interactive chart.
✓ Formula verified: May 2026For informational purposes only
Mutual Fund Calculator
Results below
Enter Values
Projected Balance (0.75% Expense Ratio)
$311K
Projected Balance (No Fees)
$344K
Total Cost of Fees
▼ $33K (9.5% of balance)
Total Contributions
$130K
Investment Growth (After Fees)
▲ $181K
Net Annual Return After Fees
7.25%
Contributions as % of Final Balance
38%
What if your initial investment changes? $9000 → $307K · $10000 → $311K · $11000 → $315K
Scenario Comparison
Conservative (5%)
$94,111.23
$84,111.23 interest
Your scenario (7%)
$106,639.02
$96,639.02 interest
Aggressive (10%)
$129,492.90
$119,492.90 interest
High-risk (14%)
$169,759.16
$159,759.16 interest
Best return
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Fee Impact Visualization
Without Fees
$344K
With 0.75% Fee
$311K
Fees Cost You
$33K (9.5% of final)
Without Expense Ratio
With 0.75% Fee
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