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The impact of fees on retirement savings is often underestimated because the effects compound over time. Even a seemingly small difference in annual fees can result in dramatically different retirement outcomes.
Small Business Plan with $1M in Assets:
Impact shows the reduction in account balance compared to a hypothetical 0% fee scenario, assuming 7% annual returns before fees.
Use the calculator to see personalized recommendations based on your inputs.
With Current Fees (1.5%):
$1,401,749
With Lower Fees (0.4%):
$1,787,546
Your Savings with Lower Fees:
$385,797
This represents the additional retirement savings you could have by reducing your fees.
This chart illustrates how different fee levels affect the growth of a $100,000 investment over 30 years, assuming a 7% annual return before fees.
Year | High Fee Balance | Low Fee Balance | Difference (Yearly) | Cumulative Difference |
---|---|---|---|---|
1 | $115,695 | $116,872 | $1,177 | $1,177 |
5 | $189,629 | $198,444 | $8,816 | $8,816 |
10 | $312,389 | $340,124 | $27,734 | $27,734 |
15 | $478,882 | $541,900 | $63,018 | $63,018 |
20 | $702,961 | $827,024 | $124,063 | $124,063 |
25 | $1,002,714 | $1,227,530 | $224,816 | $224,816 |
30 | $1,401,749 | $1,787,546 | $385,797 | $385,797 |
This table shows how the fee difference compounds over time. Even small annual differences accumulate to significant amounts.
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