⚠️ Calculator Disclaimer
This calculator provides educational estimates based on the information you provide. Results are hypothetical projections
and do not guarantee future performance. Actual investment returns will vary based on market conditions, fees, and other factors.
This tool does not constitute financial advice.
Fee Comparison Calculator
See exactly how fees impact your retirement wealth
Coach Marty says:
A 1% difference in fees might not sound like much, but over 30 years? It can cost you $100,000 or more! This calculator shows you the FULL spectrum — from ultra-low-cost to very expensive vendors.
A 1% difference in fees might not sound like much, but over 30 years? It can cost you $100,000 or more! This calculator shows you the FULL spectrum — from ultra-low-cost to very expensive vendors.
Typical stock market average is 7-8%
Your Results: 4-Tier Comparison
Ultra Low-Cost
0.15% fee
$0
Total fees paid: $0
Moderate Fee
1.0% fee
$0
Total fees paid: $0
High Fee
2.0% fee
$0
Total fees paid: $0
Very High Fee
3.0% fee
$0
Total fees paid: $0
COST OF HIGH FEES
$0
Ultra low-cost vs. very high fee — money lost to fees AND lost compounding growth
Why is the difference so big? The "Total fees paid" numbers below show what you directly pay in fees. But the real cost is higher because those fees also can't compound and grow. That's why even "small" percentage differences add up to massive wealth loss over time.
What This Means:
Your contributions: $0
Money YOU put in from your paycheck
Comparing ultra low-cost (0.15%) to very high (3%): $0
The cost of choosing the wrong vendor
Even moderate fees (1%) cost you: $0
Compared to ultra low-cost options
Coach Marty's Bottom Line:
Many educators look for ultra low-cost index funds (providers like Vanguard, Fidelity, and Schwab are commonly cited examples, not endorsements). Every percentage point in fees can reduce your long-term growth potential.