- Enter the initial invested amount.
- Add the contribution expected at the end of each year.
- Set a return assumption and annual percentage fee.
- Compare the after-fee projection with the no-fee scenario.
Investment Growth Calculator
Forecast an investment balance using an initial amount, annual additions, expected return, and ongoing fee. The comparison with a no-fee projection makes the long-term cost of the entered fee visible alongside contributions and market growth.
Planning assumptions
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$
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years
Result
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Projected value after fees
Total contributions—
Net investment growth—
No-fee projected value—
Estimated fee drag—
Balancey+1 = Balancey × (1 + return − fee) + Annual contribution
What the result means
The main result is the projected balance using a simplified net return. The fee-drag comparison shows the compounded difference from the same path with no fee.
Actual fees may be charged monthly or daily and returns vary. The comparison isolates the entered percentage fee only.
Starting with $50,000, adding $12,000 yearly for 25 years, and earning 7% before a 0.5% fee produces an after-fee projection of about $948,037.
How does a 0.5% annual fee affect long-term investment growth?
The fee reduces the return used each year, and the lost amount also misses future compounding; the displayed fee drag shows that cumulative difference.
When are annual contributions added?
They are added at the end of each modeled year.
Can the fee be higher than the expected return?
Yes. That creates a negative net return before contributions, which may still allow the balance to rise if contributions are large enough.
Does the no-fee comparison include the same contributions?
Yes. Both scenarios use identical initial and annual contributions; only the entered fee differs.
Are taxes included in the investment growth result?
No. Taxes depend on account type, transactions, jurisdiction, and withdrawal timing.