COSTS OVER TIME

What difference could fees make?

Explore the effect of two illustrative annual fee rates, keeping everything else the same for educational comparison.

CHANGE THE INPUTS

Your assumptions

Amounts are in Australian dollars. Changes update the illustration automatically.

Starting balance (A$)

Monthly contribution (A$)

Years invested

Assumed return before fee (%)

Scenario A fee per year (%)

Scenario B fee per year (%)

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Difference in final balances (A−B)

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Illustration only · Not a guaranteed outcome

Scenario A final balance;

Scenario B final balance;

Annual fee assumptions;

This simplified illustration is for education only. It is not investment or financial advice. Markets and actual fees may differ considerably.

How this example is calculated

Both hypothetical balances receive the same monthly assumed return and contribution. Each pays an approximate monthly share of its specified annual percentage fee, based on the modelled balance. This is a simplified demonstration of fee drag.

What it leaves out

Actual products can have different investment strategies, exposures, trading costs, fee methodologies and outcomes. This calculator ignores tax, inflation, brokerage and variable returns. It does not establish which product is suitable.

Need context? Read our guide to fees, risk and return explainer or financial disclaimer.