FREE INVESTMENT CALCULATOR

What are your investment fees really costing you?

Most Canadians don't know what they're paying in investment fees, or what that fee actually costs them over time. This free calculator shows you the real number.

SECTION 1: THE INTERATIVE CALCULATOR

Calculate your own number

Investment Calculator — Emotions + Math
Enter as a percent, for example 7 for 7%.
Enter as a percent. Bank-sold mutual funds commonly charge around 2%; robo-advisors are usually 0.4 to 0.75% once you include both the management fee and the underlying fund costs; self-directed low-cost ETFs are often under 0.25%.
You will have
$0
You will lose to fees
$0

This is an educational estimate, not financial advice. It assumes a constant rate of return and fee over the full period, which real markets and accounts rarely deliver exactly. Use this as a starting point for comparing scenarios, not a guarantee of future performance.

SECTION 2: EXPLAINER

How this is calculated

We grow your starting amount and every contribution at your entered return rate, minus your fee, compounded at the same frequency as your contributions. Contributions are applied at the end of each period. Contributions are applied at the end of each period, so a contribution made this month starts growing next month, not this one. That's the "you will have" number.

To show what the fee actually costs you, we run the same numbers a second time with the fee set to zero, same starting amount, same contributions, same years, same return, and show you the difference.

That's not just the fee itself; it's the growth that fee quietly ate along the way, which is why it's usually a bigger number than people expect.

This is an educational estimate, not financial advice. It assumes a constant rate of return and fee over the full period.

SECTION 3: WATCH THE VIDEO

The $600,000 fee

Watch the exact math behind a fee that can quietly cost a $200,000 portfolio close to $600,000 over 30 years, plus my own story of moving from a bank advisor to self-directed investing.

SECTION 4: YOUR NEXT STEP

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