Fee Drag Detector
A 1% fee sounds small. Over 30 years, it can quietly cost you six figures. Enter your funds, your contributions, and your time horizon — this tool projects what fees will actually cost you, side by side with a low-cost alternative.
1. Your situation
2. Your funds' fees
List the funds you hold (up to 3) with each fund's expense ratio — the % the fund takes every year. Pick a common example or type your own. Allocations must add up to 100%.
3. The low-cost alternative
The two paths, visualized
Why this happens
An expense ratio doesn't just take money off the top — it takes money that would have compounded for decades. Every dollar paid in fees this year is a dollar that can't earn 7% next year, and the year after. That's why a "tiny" 1% fee can erase 25–30% of your ending balance over a career: fees compound against you the same way returns compound for you.