Compare Investment Fees Calculator (Canadian)

Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees can impact your investment strategy!

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For more information about these financial calculators please visit: Financial Calculators from KJE Computer Solutions, Inc.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

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Compare Investment Fees Calculator (Canadian)

*indicates required.

Current investment plan:

Starting amount:*This entry is required.Enter an amount between $0 and $10,000,000

Years:*This entry is required.Enter an amount between 1 and 40

Additional contributions:*This entry is required.Enter an amount between $0 and $1,000,000

Contribution frequency:*This entry is required.

Compare annual fees:

Annualized rate of return:*This entry is required.Enter an amount between 0% and 20%

Annual investment fee 1:*This entry is required.Enter an amount between 0% and 20%

Annual investment fee 2:*This entry is required.Enter an amount between 0% and 20%

Annual investment fee 3:*This entry is required.Enter an amount between 0% and 20%

Make deposits:

At beginning of the period (uncheck for the end of the period)

**FIG_GRAPHTITLE** Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Balance by Year

Definitions

Starting amount

The starting balance or current amount you have invested or saved. If you haven't started saving yet, set the amount to '$0'.

Years

The total number of years you are planning to save or invest.

Additional contributions

The amount that you plan on adding to your savings or investment regularly.

Contribution frequency

How often your additional contributions will occur. Your choices are weekly (52 times per year), every other week (26 times per year), monthly, quarterly or annually.

Annualized rate of return

The annual rate of return for your underlying investment, before any fees are taken into account. The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period from December 31, 2013 through December 31, 2023 was 8.6% (source www.spglobal.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

Make deposits at beginning of the period

Check this box to have all additional contributions happen at the beginning of each period. Uncheck this box for the end of the period. Making contributions at the beginning of each period allows your money to begin earning a return immediately increasing your return.

Annual investment fee

The annual fees, calculated based as a percentage of the investment balance, for three different investment options. The higher the fee percentage, the less your investment will grow over time.

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.