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What fees really cost you

Set your numbers and see compounding at work — and the gap a low-fee tool opens up over the long run.

Starting amount $1,000

Monthly contribution $200

Gross annual return 6.0%

Time horizon 20 years

Fee assumptions (editable)

High fee (traditional) 1.50%

Low fee (AI tool) 0.25%

Low fee (AI) High fee Cost of fees

Kept by paying low fees

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Final balance (low fee)

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Final balance (high fee)

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Over this horizon, choosing a low-fee tool leaves you — more — from lower fees alone, at the same return.

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Educational estimates, computed with monthly compounding and constant fees. This is not financial advice; simulated returns do not guarantee future results. Both scenarios use the same gross return and differ only in fees.