What Does My Fund Cost?

From percent to money: see what your ongoing charges cost you per year.

Pick your fund or type its ongoing charge, enter what you hold, and see what the fund costs you in money per year and over 10, 20 and 30 years.

From percent to money

Charges in percent always sound small. 0.5% a year is hard to relate to, but €75 a year on €15,000 is something you can take a view on. And over 20 years it becomes more than €2,000, because the money would have earned a return too.

Pick your fund and the calculator fills in the ongoing charge. Enter what you hold and see the price per year, per month and over 10, 20 and 30 years. If you have a fund we do not know, just type the percentage yourself.

How to read the numbers

The big number is what the fund costs you this year at the value you entered. It is taken out of the price a little at a time, so it never shows on a bill, but it is paid every year.

The table shows what that comes to over time. "Paid in charges" is the total taken out. "You end up with less" is the difference between your end value and what you would have had without charges. It is larger, because the charges paid would have earned a return too. The calculation assumes 7% a year before charges and no further deposits, the same assumptions as the fund fee calculator, where you can compare two charge levels year by year.

If you picked a fund, the calculator also finds the cheapest fund that owns the same thing and works out the saving on your amount. To see every alternative, go on to Find a Cheaper ETF.

Your whole portfolio at once

If you hold several funds, you can get the charges for all of them together in the portfolio X-ray. Drop in your broker export and it shows the price of each fund and of the whole portfolio.

About the numbers

The charges are the funds' most recently published ongoing charges. Brokerage, spread and tax are not included. The calculator does not give investment advice.

Frequently asked questions

What is an ongoing charge?

It is the yearly price of owning the fund, stated as a percentage of your holding. It is taken out of the fund's price a little at a time, so you never see it as a bill. 0.5% of €10,000 is €50 a year, whether the fund goes up or down.

Is the ongoing charge the same as the TER?

In practice, yes: the total expense ratio is the usual name for the same figure. Transaction costs inside the fund come on top. For an index ETF the ongoing charge is by far the largest part. If you have a total cost figure, you can type that instead.

Why is the difference after 20 years larger than the charges paid?

Because the money that goes to charges no longer earns a return. Over 20 years at 7% a year, every euro grows to almost four. That is why the calculator shows both what you pay and what you end up with less.

Where does the fund's charge come from?

From the fund's most recently published key figures. It is filled in when you pick a fund, and you can change it if your broker shows something else. If we do not know the fund, just type the percentage.

What does "cheaper fund that owns the same thing" mean?

The calculator finds funds that own the same securities as yours and shows the cheapest with at least 90% overlap, or 80% if none reaches 90. The saving is worked out on your amount. To see them all, open Find a Cheaper ETF. The calculator does not give investment advice.