https://calculating.ca/calculators/finance-money/investment-fees-inflation-calculator/
Finance & Money / THE MITEY TOOLKIT
Investment Fees & Inflation
Separate contributions, fees, lost growth and purchasing power in one investment projection.
Ending purchasing power · today’s dollars
$253,870.30
From your inputs. Explore the breakdown below.
- Ending balance after fees
- $416,501.14
- Total contributions
- $200,000.00
- Fees plus foregone growth
- $136,236.88
- Fees actually charged in this model
- $76,006.29
- The gap to the no-fee reference includes both charged fees and growth those fees no longer earn.
- The chart is nominal; the headline discounts the final after-fee balance for entered inflation.
Purchasing power and fee impact by year
| Year | After fees | Today’s dollars | No-fee reference | Fees charged to date |
|---|---|---|---|---|
| 1 | $58,325.33 | $57,181.70 | $59,163.26 | $816.35 |
| 2 | $67,017.81 | $64,415.42 | $68,876.32 | $1,761.58 |
| 3 | $76,093.62 | $71,704.72 | $79,172.17 | $2,841.40 |
| 4 | $85,569.68 | $79,053.16 | $90,085.76 | $4,061.73 |
| 5 | $95,463.63 | $86,464.35 | $101,654.17 | $5,428.76 |
| 6 | $105,793.91 | $93,941.97 | $113,916.69 | $6,948.98 |
| 7 | $116,579.75 | $101,489.69 | $126,914.95 | $8,629.13 |
| 8 | $127,841.25 | $109,111.28 | $140,693.11 | $10,476.26 |
| 9 | $139,599.38 | $116,810.52 | $155,297.96 | $12,497.75 |
| 10 | $151,876.04 | $124,591.25 | $170,779.11 | $14,701.27 |
| 11 | $164,694.10 | $132,457.38 | $187,189.12 | $17,094.87 |
| 12 | $178,077.44 | $140,412.85 | $204,583.73 | $19,686.91 |
| 13 | $192,050.99 | $148,461.66 | $223,022.02 | $22,486.16 |
| 14 | $206,640.77 | $156,607.88 | $242,566.60 | $25,501.74 |
| 15 | $221,873.96 | $164,855.62 | $263,283.86 | $28,743.20 |
| 16 | $237,778.93 | $173,209.06 | $285,244.16 | $32,220.51 |
| 17 | $254,385.31 | $181,672.46 | $308,522.07 | $35,944.05 |
| 18 | $271,724.03 | $190,250.13 | $333,196.66 | $39,924.70 |
| 19 | $289,827.39 | $198,946.44 | $359,351.72 | $44,173.78 |
| 20 | $308,729.11 | $207,765.84 | $387,076.09 | $48,703.14 |
| 21 | $328,464.39 | $216,712.86 | $416,463.92 | $53,525.14 |
| 22 | $349,070.00 | $225,792.10 | $447,615.02 | $58,652.68 |
| 23 | $370,584.32 | $235,008.24 | $480,635.18 | $64,099.24 |
| 24 | $393,047.42 | $244,366.03 | $515,636.56 | $69,878.88 |
| 25 | $416,501.14 | $253,870.30 | $552,738.02 | $76,006.29 |
FOLLOW THE CASH FLOW
Annual cash-flow totals
Balance is the period-end value; growth and payments are totals for that year or final partial year. Download the ledger for every modeled period. Figures in CAD.
| Year | Closing balance | Net growth after fees | Contribution |
|---|---|---|---|
| Now | $50,000.00 | $0.00 | $0.00 |
| 1 | $58,325.33 | $2,325.33 | $6,000.00 |
| 2 | $67,017.81 | $2,692.48 | $6,000.00 |
| 3 | $76,093.62 | $3,075.82 | $6,000.00 |
| 4 | $85,569.68 | $3,476.06 | $6,000.00 |
| 5 | $95,463.63 | $3,893.95 | $6,000.00 |
| 6 | $105,793.91 | $4,330.28 | $6,000.00 |
| 7 | $116,579.75 | $4,785.84 | $6,000.00 |
| 8 | $127,841.25 | $5,261.50 | $6,000.00 |
| 9 | $139,599.38 | $5,758.13 | $6,000.00 |
| 10 | $151,876.04 | $6,276.66 | $6,000.00 |
| 11 | $164,694.10 | $6,818.06 | $6,000.00 |
CHANGE ONE VARIABLEWhat moves your answer?
Compare five values while keeping every other input the same. These are scenarios, not likelihoods or forecasts.
| Input value | Primary result | Use scenario |
|---|
BEHIND THE ANSWER
Formula and method
Monthly growth factor = (1 + annual gross return)^(1/12). Monthly retained fraction after fees = (1 − annual asset fee)^(1/12). Real ending value = nominal ending value ÷ (1 + inflation)^years.
Each month, the opening balance grows, an equivalent monthly asset fee is removed, and the monthly contribution is added at month end. A separate reference compounds the same gross returns and contributions without fees. Cumulative charged fees are distinct from the larger or smaller no-fee ending-value gap. Inflation discounts the after-fee balance into starting-date purchasing power. The monthly ledger labels net growth after the modeled fee and the end-month contribution.
Context sources checked October 25, 2026
These sources explain the subject. The model follows the formula and assumptions shown here; a source link does not imply endorsement.
Worked examples
No growth, fees or inflation
- Starting investment:
- 10000
- Monthly contribution:
- 100
- Projection length:
- 1
- Annual effective return before fees:
- 0
- Annual asset-based fee:
- 0
- Annual inflation assumption:
- 0
Ending purchasing power · today’s dollars: $11,200.00
Assumptions and limits
- Constant effective return, fee and inflation; no market volatility, taxes or account contribution limits.
- The fee convention is explicit and may differ from a real product’s daily accrual, billing and tax treatment.
- No-fee reference is a comparison, not an available investment product.
This tool provides an educational estimate. Rules, rates and personal circumstances can change the answer. Review the assumptions before relying on a result. Report a correction.
Common mistakes to avoid
- Treating entered return, vacancy or rate assumptions as forecasts.
- Comparing only the headline amount without checking timing, cash costs and model limits.
Related calculators
Future Goal Lump Sum
Find the amount that would need to be invested today to reach an entered future target without further contributions.
Compound Interest
Calculate future value with compounding interest over time.
Retirement Goal
Monthly contribution needed to hit your retirement number.
Retirement Sequence Stress Test
Use the same annual returns in opposite orders to see how withdrawals change the result.