Project cumulative value impact from an entered annual investment fee.
It makes the prices, cash flows, rates, time periods, weights, and model conventions explicit so you can inspect an entered scenario without hidden live-market assumptions.
Calculation structure
Follow the stated model and units
Before-fee value = initial × (1 + gross return)^years. After-fee value = initial × (1 + gross return − fee)^years.
Visual explanation
See how the inputs become the result
Capital and cash flowstime and rate→entered modelScenario resultChanging one assumption changes the model—not the marketBefore-fee value = initial × (1 + gross return)^years. After-fee value = initial × (1 + gross return − fee)^years.
Read the estimate correctly
Use the result within its boundaries
100,000 growing 6% for 20 years with a 1% annual fee shows the cumulative value difference.
The simplified model subtracts the annual fee from the gross return once per year. Actual fee timing and bases vary.
Quick guide
How to use this calculator
Enter the exposure, market, accounting, probability, rate, or risk assumptions named by the fields.
Use consistent currencies, periods, share units, and percentage conventions.
Interpret the output only within the displayed model and limitations.
Calculation method
Calculation method
Before-fee value = initial × (1 + gross return)^years. After-fee value = initial × (1 + gross return − fee)^years.
Fixed decimal scalar arithmetic remains exact until display. Square-root and compound projections are explicitly approximate and reject non-finite results.
Worked example
Worked example
100,000 growing 6% for 20 years with a 1% annual fee shows the cumulative value difference.
Before-fee value = initial × (1 + gross return)^years. After-fee value = initial × (1 + gross return − fee)^years.
Supported inputs
Precision and limits
Visible input limits
Fixed decimals accept 30 digits and 12 decimal places, with absolute values capped at 1e12 per input and general rates capped at 1000%. Formula-specific shares and probability limits are validated separately.
International scope
No currency, exchange, broker, live security data, accounting standard, tax jurisdiction, contract specification, or regulatory disclosure is selected automatically.
Decision boundary
Outputs are arithmetic scenarios, not forecasts, advice, suitability assessments, trading signals, fair-value opinions, risk guarantees, or recommendations.
Calculator-specific assumptions
The simplified model subtracts the annual fee from the gross return once per year. Actual fee timing and bases vary.
