Fee calculator: the impact of fees on your savings
Compare two investments with the same return but different fees, and see what the fees really cost you over time.
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Why fees weigh so much over time
Annual management fees are charged on the whole capital, year after year, not just on the gains. Each euro charged also stops earning interest: the gap widens over time, like compound interest, but against you. Over a long period, a fee difference that looks small can amount to a large share of the final capital.
Management fees and contribution fees
Contribution fees, also called entry fees, are charged once on each amount paid in, before it is invested. Management fees are charged continuously on the invested amount, whatever the result. Over a long horizon they usually weigh more, because they apply every year to a growing capital.
How to use this calculator
Enter the same return for both investments, then the fees stated in each one's documents: key information document, general terms or price list. The calculator shows each investment's final capital, the difference between them, and what the fees cost compared with a fee-free investment. The default values are only an example.
Frequently asked questions
Are management fees charged even if the investment loses money?
Why is the cost of fees higher than the fees charged?
Where can I find an investment's fees?
Does the calculator take tax into account?
How are fees charged in the calculation?
How it is calculated
This calculator applies no tax or social security scale: the result depends only on the assumptions used (amounts, rates, durations).
Indicative result, not a substitute for personalised advice. Spotted an error or an outdated rate? Let us know
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