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See exactly how much investment fees cost you over time. Compare your current fund fees against low-cost index funds and watch the gap grow.
Starting early is the best gift you can give your future self. Even small steps now create massive results through compound growth.
The gap between your fund and an index fund grows significantly over time due to compounding.
Total Fee Drag
$0
Years to Retirement
0
Fee Drag Ratio
0.0% of gains
Your Current Fund
$3,808,054
At 1.00% fee, after 30 years
Total fees paid: $531,942
Low-Cost Index Fund
$4,749,091
At 0.20% fee, after 30 years
Total fees paid: $122,644
Using a low-cost index fund could provide $3,137 more per month in retirement (4% SWR).
Your Current Fund
$12,694
Monthly (4% SWR)
Index Fund Alternative
$15,830
Monthly (4% SWR)
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Example output — not real data
🎯
87%
Success Rate
💰
$48,200
Tax Savings
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Use Pro analysis to identify your specific fund fees and get personalized recommendations for low-cost alternatives that align with your risk profile.
Here's how your fund's fee compares to typical investment vehicles. Even small differences compound into significant wealth over time.
| Fund Type | Typical Fee Range |
|---|---|
| 401(k) Average | 0.50% – 0.75% |
| Actively Managed Funds | 1.00% – 1.50% |
| Target-Date Funds | 0.10% – 0.75% |
| Robo-Advisors | 0.25% – 0.40% |
| Index Funds | 0.03% – 0.20% |
Fees might seem small — 0.5%, 1%, 1.5% — but they compound dramatically over decades. A 1% fee difference might cost you hundreds of thousands in retirement income. That's because fees reduce your principal, which then reduces the compound growth you earn on that smaller base.
This calculator uses compound growth formulas to project portfolio values over time:
Annual Growth = (Portfolio + Contributions) × (1 + Return Rate)
Annual Fees = Portfolio × (Fee Percentage)
End of Year Balance = Annual Growth - Annual Fees
The key insight: fees are charged on increasingly larger balances each year. A 1% fee might cost you $10,000 in year one, but $50,000 in year twenty because your portfolio has grown. This exponential compounding of fees is why even small differences create massive wealth gaps over decades.
The "Fee Drag Ratio" shows what percentage of your potential gains were consumed by fees. If your gains were $100,000 but fees consumed $15,000 of those gains, your fee drag ratio is 15% — meaning 1 in 7 dollars of growth never reached your wallet.
See how your investments grow over time with compound interest effects.
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Analyze your 401(k) growth including employer matching and tax implications.
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Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.