How this calculator works
Two portfolios grow with the same contributions: one at the return before fees, the other at that return minus the expense ratio, with any front-end load taken off each investment. The gap between them is what fees cost you.
Worked example
With the example values below: Ending balance after fees, $330,014 (fees cost $40,584). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Initial investment | $25,000 |
| Monthly contribution | $300 |
| Annual return before fees | 7% |
| Expense ratio | 0.65% |
| Front-end load | 0% |
| Years | 25 yrs |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.