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About this tool
See how expense ratios, management fees, and transaction costs eat into your investment returns over time.
The Investment Fee Impact Calculator shows how much of your final corpus an annual fee consumes, by compounding your investment twice — once at the gross return and once at the return minus the fee — and reporting the gap. Enter a lump sum, an expected annual return, a holding period and a total annual fee such as an expense ratio, and it returns the value with fees, the value without, the rupee amount lost and that loss as a percentage. It is for anyone comparing funds, advisory plans or PMS charges before committing money for a decade or more.
Open Investment Fee Impact Calculator on AltFTool — it loads instantly in your browser.
Enter Investment Amount in ₹, Expected Return (% p.a.), Investment Period (Years) and Annual Expense Ratio (%) — the total annual drag, fund expense ratio plus any advisory or platform fee.
Press Calculate; the same principal is compounded twice, once at the return and once at return minus the fee, so the lost growth on lost growth is counted rather than a flat charge subtracted.
Value After Fees appears as the headline with Fees Cost You beneath it, and the Without Fees, With Fees, Fees Consumed and Fees Impact % tiles give the gap in rupees and as a share of the fee-free corpus.
Converts an abstract 1.5% expense ratio into the exact amount missing from your corpus at the end of the period.
Compounds the same principal at the gross rate and the net-of-fee rate so you see the fee-free counterfactual next to reality.
Reports fees consumed as a share of the fee-free value, which is the number that exposes how a small annual charge becomes a large lifetime cost.
About 24% of the corpus you would otherwise have. On ₹10,00,000 growing at 10% a year, 20 years of compounding gives roughly ₹67.3 lakh without fees but about ₹51.1 lakh at a net 8.5% — a gap of roughly ₹16.2 lakh, far more than the ₹3 lakh of fees you might expect from a rough 1.5% × 20 estimate.
Because every rupee paid in fees also stops compounding. The calculator models this by growing your money at (return − fee) rather than subtracting a flat charge, so the lost growth on lost growth is included — which is why a 1% annual fee removes roughly a quarter of a 30-year corpus at a 10% gross return.
Enter the total annual drag as a single percentage — fund expense ratio plus any advisory or platform fee. An Indian index fund typically runs 0.1–0.4%, a regular-plan active equity fund 1.5–2.25%, and a separate advisory fee of 0.5–1% would be added on top.
No. It models only a constant annual percentage fee against a constant annual return, so capital gains tax, exit loads, one-off transaction charges and variable market returns are not included. Treat the result as an illustration of fee drag and speak to a registered adviser before switching an actual investment.
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