Mutual Fund Fee Analyzer
Compare two expense ratios and see exactly how much fees cost you over time. Spoiler: the difference is bigger than most people think.
Why expense ratios matter so much
An expense ratio is the annual fee a fund charges as a percentage of assets. Unlike a one-time commission, it is deducted repeatedly as the balance changes. The calculator lets you compare the result under the same return, contribution and time-horizon assumptions.
Realistic ranges
- Broad-market index funds: often low-cost, but verify the current prospectus.
- Active, specialty and alternative funds: costs vary widely by strategy and share class.
- Variable annuity sub-accounts: may include several layers of fees; review the contract.
The 1% rule of thumb
The effect of an extra 1% depends on the starting balance, contributions, return assumption and horizon. Enter your own numbers to see the dollar and percentage difference; the result is a model, not a forecast.
How to find your fund's expense ratio
Look up the ticker in the latest provider prospectus, FINRA Fund Analyzer or your broker's fund page. Check the net expense ratio, waiver expiry, transaction costs and any account-level fees.