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✓ The fee nobody at the bank mentions

What are investment fees really costing you?

A 1 or 2 percent annual fee sounds tiny. Over a lifetime of investing it can quietly swallow a six-figure chunk of your money, because fees compound just like returns. See the real number, and how much more you would keep in a low-cost fund.

Fees would cost you, over this time
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Low-cost fund leaves you
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Higher-fee fund leaves you
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Low-cost fund
Higher-fee fund
This is the whole reason DollarBanao exists. We earn zero commission and have nothing to sell you, so we have no reason to steer you into a high-fee product. The math above is exactly what a conflict-free approach protects.
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Educational guidance only, not financial advice. This is a simplified illustration using the figures you enter and assumes a steady return and fee, with monthly compounding. Real returns and fees vary, and this is not a recommendation about any specific fund, product or provider. Consider a licensed advisor.

Why it matters

The quiet tax on your wealth

A fee is charged every year on your whole balance, not just your gains. Worse, the money taken in fees never gets the chance to compound for you, so you lose the growth it would have earned too. That is why a gap as small as one percent a year can become a life-changing sum over decades. The single most reliable way to improve your long-term returns is not picking better investments, it is paying less to hold them. Learn the low-cost route in our guide to investing in stocks and index funds, and see the bigger picture on the projection calculator.