HisabCalc › Banking & money

Investment Fee Impact Calculator

Shows how much of your investment growth is lost to an annual fee by comparing the value with and without the fee over your chosen years.

Enter your numbers

Amount invested today (Taka)

Example: 500000

Gross annual return (percent)

Example: 12

Annual fee (percent)

Example: 1.5

Number of years

Example: 20

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

grossValue = presentValue * (1 + grossReturn/100)^years; netValue = presentValue * (1 + (grossReturn - feeRate)/100)^years; feeDrag = grossValue - netValue

How the calculation works

Enter the amount you are investing today and the gross annual return you expect before any charges are taken out.

Enter the annual fee as a percentage, which covers the fund management charge plus any recurring platform or advisory fee you pay.

The tool compounds the full return for the gross value, compounds the return after the fee for the net value, and subtracts the two to show the fee drag.

Common mistakes

Adding up the fee over the years as a simple sum, when it compounds because the money taken as fees never gets the chance to grow.
Ignoring fees because they look small, as a fee of one or two percent a year can quietly take away a fifth or more of the final value.

When to use it

Use it before signing up to a fund or a managed plan, so you can see in Taka what the annual fee quietly costs over the long run.
Use it to compare two products with similar returns but different charges, since a small fee gap becomes a large amount over twenty years.

Worked example

Investing 500000 Taka for 20 years at a 12 percent gross return with a 1.5 percent fee gives a gross value of about 4823143 Taka, a net value of about 3638033 Taka, and a fee drag of about 1185110 Taka.

Gross value 4,823,146.55

Net value ৳3,683,117.42

Fee drag ৳1,140,029.13

Common questions

Is the fee taken off the return or off the whole balance?

The tool treats the fee as reducing the annual return by the fee rate, which is close to how most funds deduct a management charge from the balance each year.

Last updated: 2026-10-03