A controlled illustration
Enter a hypothetical starting balance, a number of years, one constant annual growth assumption and two annual fee rates. Keep the growth input identical for both scenarios. The tool applies simplified annual compounding after subtracting the assumed annual fee rate.
Read the result with its limits
Actual returns vary and may be negative. Real costs can be charged at different times or on different bases. Deposits, withdrawals, taxes, inflation, spreads and transaction costs are outside this model. The result is not a forecast or a recommendation.
Use the original fee documents
Read the applicable account fee schedule and product disclosures. The companion lesson explains how to distinguish repeating expenses from transaction charges and how to turn the calculation into a precise question.