Fee Drag Calculator

See how investment fees compound against you over time — and how much switching to low-cost funds could save.

Portfolio & Fee Details

Portfolio Value ($)

Current Expense Ratio (%)

Typical 403(b) annuity: 1.00%–2.00%

Low-Cost Alternative Expense Ratio (%)

Index funds: 0.03%–0.25%

Gross Return Assumption (%)

Years to Project

Portfolio Growth: High Fees vs. Low Fees

Milestone Comparison

Year	High-Fee Value	Low-Fee Value	Cumulative Fee Drag

Note: These figures assume a compound drag calculation — fees compound against you just as returns compound for you. Basis: 6.75% gross / 5.50% net at 1.25% fee difference. For a $300K portfolio, the 10-year drag is approximately $64,058, the 20-year drag is approximately $232,518, and the 25-year drag is approximately $391,725.