Return After Fees Calculator 🔍

Calculate your **true net return** and the cumulative dollar cost (**Fee Drag**) of various annual and transaction fees on your investment portfolio.

Investment Details

Initial Investment ($):

Gross Annual Return (before fees, %):

Expected annual growth without fee deductions.

Investment Period (Years):

Annual Fees (Deducted from Assets)

Fund/Manager Annual Fee (%):

e.g., Mutual fund expense ratio, Hedge Fund fees.

Advisory/Platform Fee (%):

Fee paid to a financial advisor or robo-advisor.

Transaction Fees (Annualized Estimation)

Annual Trading Costs (% of Portfolio):

Estimated cost of commissions, bid-ask spread, etc.

Flat Annual Account Fee ($):

Fixed fee charged regardless of portfolio size.

How Fee Drag is Calculated

1. Total Annual Fee Rate

The total percentage cost is the sum of all percentage-based fees (Management, Advisory, Trading Costs).

Total Annual Fee Rate (%) = Management Fee + Advisory Fee + Trading Costs

2. Net Annual Return

This is the actual compounded rate of return you receive.

Net Annual Return (%) = Gross Annual Return - Total Annual Fee Rate

3. Final Value (Net)

Calculated using the standard compound interest formula with the Net Annual Return, adjusted for the Flat Annual Fee, which is subtracted from the portfolio value each year before compounding.

Value after Fees = [ (P₀ - Annual Flat Fee) × (1 + Net Rate) ]
(This process is repeated for each year of the investment period 'n')

Return After Fees Calculator 🔍

Investment Details

Annual Fees (Deducted from Assets)

Transaction Fees (Annualized Estimation)

Net Performance Summary

Final Value (Net of All Fees)

Cumulative Net Return

Total Dollar Cost of Fees

Comparison

Final Value (Before Fees)

Lost to Fees (Opportunity Cost)

How Fee Drag is Calculated

1. Total Annual Fee Rate

2. Net Annual Return

3. Final Value (Net)