Sheet 12 - Tools · TL-009DWG SP-2026-21

Fee Drag Calculator.

"It's just 1% a year." So is compound interest — working against you. Compare growth with and without fees and see what the small print really costs. Runs in your browser, nothing leaves your device.

Your plan

Currency

Starting capital

Gross return (% / yr)

Annual fee (%)

TER, management fee, or your all-in trading costs annualized.

Horizon

Output · 10 yearsTL-009/B

Lost to fees–

Without fees–

With fees–

Gains eaten–

Drag over time–

NO FEEWITH FEE

Method

without feeP(1 + r)ⁿ

with feeP(1 + r − fee)ⁿ

A flat annual fee is a simplification: real costs include spreads, slippage, and taxes, which rarely sit still. Not financial advice.

Audit your real all-in costs.

Sidepick Ledger's fee tracker totals what trading actually cost you last month — compare it against this calculator's warning.

View Ledger · $19