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Cost of an annual fee
Compare the same growth scenario with and without a recurring fee.
Ending balance with fee
$10,805.60
Without fee: $11,025.00
Difference: $219.40
How this is calculated
Without fee: principal × (1 + return)^years. With fee: principal × ((1 + return) × (1 − fee))^years. Each year applies gross growth, then a fee on the ending balance. No deposits, withdrawals, taxes, or trading costs. The balance difference includes fees and foregone growth.
View all yearly values
| Year | Balance | Without fee |
|---|---|---|
| 0 | $10,000.00 | $10,000.00 |
| 1 | $10,395.00 | $10,500.00 |
| 2 | $10,805.60 | $11,025.00 |