Managed funds fee calculator

Compare how different managed fund fees can change your long-term balance. It is designed to make the cost of fees easier to see before they quietly eat into growth over time.

Best for

Fund balance after fee drag across a multi-year horizon
The effect of fees compared with a no-fee counterfactual
An optional alternative-fund comparison using the same contribution cadence

Your fund inputs

Use the same input shape as MoneySmart, then optionally compare a second fund against the same contribution pattern.

Amount invested

Invested for (years)

Contribution amount

Contribution frequency

Investment earnings (% p.a.)

Management costs (% p.a.)

Other management costs ($ p.a.)

Contribution fee (% of contributions)

Advice fee (% p.a.)

Compare against an alternative fund

Alternative fund

The comparison keeps the same investment horizon and contribution cadence, matching the original MoneySmart explore flow.

Alternative amount invested

Alternative earnings (% p.a.)

Alternative management costs (% p.a.)

Alternative other costs ($ p.a.)

Alternative contribution fee (%)

Alternative advice fee (% p.a.)

Compare with compound interest calculator

Results

The effect of fees is the extra balance you could have had if no fund fees were deducted under the same contribution pattern.

Your fund balance $110,490

Effect of fees $24,215

No-fee balance $134,705

Fee drag as share of no-fee balance 17.98 %

Your fund after 10 years

$110,490

Amount invested after contribution fee: $24,750
Monthly contribution equivalent: $500
Monthly contribution after fee: $495
Net nominal return after % fees: +4.28 %

Alternative fund after 10 years

$124,724

Effect of fees: $9,981
No-fee balance: $134,705
Balance difference: +$14,234
Fee-drag difference: -$14,234

Starting with $25,000 and contributing $500 monthly, this scenario ends at $110,490 after 10 years, with fees reducing the no-fee outcome by $24,215.

Year-by-year fee drag

Final six years of the projection

Year	Your fund	Alternative fund
Year 5	$63,053 Fee drag $7,609, no-fee $70,662	$67,717 Fee drag $2,944, no-fee $70,662
Year 6	$71,747 Fee drag $10,052, no-fee $81,798	$77,842 Fee drag $3,956, no-fee $81,798
Year 7	$80,820 Fee drag $12,894, no-fee $93,714	$88,568 Fee drag $5,146, no-fee $93,714
Year 8	$90,290 Fee drag $16,174, no-fee $106,464	$99,932 Fee drag $6,533, no-fee $106,464
Year 9	$100,174 Fee drag $19,933, no-fee $120,107	$111,970 Fee drag $8,137, no-fee $120,107
Year 10	$110,490 Fee drag $24,215, no-fee $134,705	$124,724 Fee drag $9,981, no-fee $134,705

How these estimates work

Projected earnings are converted from an annual effective return into the monthly nominal rate used for compounding.
Management costs and advice fees reduce the annual return, while other management costs are deducted as a flat dollar amount each year.
Contribution fees reduce the invested amount and the recurring contribution stream.
Investment returns are reinvested and the comparison assumes the same years and contribution cadence for both funds.