Investment Fee Drag Calculator
See how annual expense ratio or advisory fee reduces terminal wealth vs a zero-fee baseline over the same return assumption.
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Assumptions
Gross return vs expense ratio
Monthly contributions grow at gross return minus recurring fee drag (approximated as a monthly deduction from the rate).
Advanced mode
Compare a higher-fee alternative side by side.
Results
Ending balances
With fee
LKR 1,033,748.06
Hypothetical without fee
LKR 1,224,379.51
Wealth foregone (fee drag)
LKR 190,631.45
Chart
Path comparison
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Perspective
Small fees compound into large gaps
Fees reduce the net return each year; over decades the gap vs no-fee can be startling.
This model is deterministic — it does not predict market returns.
FAQ
Common questions
Should I enter MER or total fee?
Enter the all-in annual drag you expect (fund expense + advisory + platform), as a single percent for simplicity.
Are returns guaranteed?
No. The return field is an assumption for illustration.
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