ETF Fee Impact Calculator

ETF Fee Impact Calculator (2026) — TER Drag Over Time | AlphaTechFinance

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ETF Fee Impact Calculator (TER Drag)

Compare two ETFs and quantify how small TER differences compound over time. Model: net return = expected return − TER.

Educational tool only. Not financial, tax, or legal advice.

Initial investment (€)

Monthly contribution (€)

Time horizon (years)

Expected annual return (%)

ETF A TER (%)

ETF B TER (%)

Inflation (%) (optional, for real values)

Show real (inflation-adjusted)? (0/1)

Final value — ETF A

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Final value — ETF B

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Fee drag (A − B)

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Total contributions

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Net return A (gross − TER)

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Net return B (gross − TER)

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ETF A = solid • ETF B = dashed

What is TER drag?

TER is an annual fee. Over long horizons, even small TER differences can compound into meaningful gaps in final value.

Does this include taxes, spreads, and tracking difference?

No. v1 isolates TER impact via net-return drag. Taxes, spreads, and tracking difference can further change outcomes.