Tool

Fund cost calculator

The TER (ongoing charges) is only part of what a fund costs you. Enter the figures from the fund's Key Information Document and from your broker's price list, and see the total cost over your holding period, what it does to your return, and how much the TER alone would have hidden.

Your investment

Amount invested (EUR)

Holding period (years)

Expected return before costs (% a year)

An assumption, not a forecast. The KID's moderate scenario or a long-run average are common starting points.

Costs inside the fund (from the KID, section "What are the costs?")

Ongoing charges / TER (% a year)

Transaction costs (% a year)

Performance fee (% a year, estimate)

The KID shows the average over the last five years.

Entry charge (% once)

Exit charge (% once, at the end)

Costs outside the fund (your broker, platform or adviser)

Platform or custody fee (% of assets a year)

Advice fee (% of assets a year)

Fixed fees (EUR a year: account, custody, order fees)

Figures are taken as you enter them and applied once a year on the fund's value. Returns are not guaranteed and real costs vary with the value of your holding. This is an estimate, not a forecast or a recommendation.

Over 10 years

Annual cost impact (reduction in yield)

–

Value without any costs–
Value after all costs–
Total costs over the period–
Ongoing charges (TER)–
Transaction costs–
Performance fees–
Entry and exit charges–
Platform, advice and fixed fees–

Your money over time

Value of the investment year by year: with no costs, with the TER only, and with all costs

Your inputs, compounded once a year. An illustration, not a forecast.

What the TER alone would have shown

Costs over the period, TER only–
Costs the TER leaves out–
Share of your total costs the TER shows–

The TER (or "ongoing charges") covers management and administration. It leaves out the fund's own trading costs, performance fees, entry and exit charges and everything your broker or adviser charges on top.

How to read the result

Annual cost impact. The difference between the return you would have earned without any costs and the return after all of them, per year. It is the same measure the Key Information Document shows as "annual cost impact" (in older documents "reduction in yield"), extended here to the costs outside the fund.

Why the total grows faster than the yearly percentage suggests. Costs are charged on the fund's value every year, and the money taken out stops compounding. Over long periods the amount lost is larger than the yearly percentage times the years.

Where to find the inputs. Ongoing charges, transaction costs, performance fees and entry and exit charges stand in the "What are the costs?" section of the KID; platform, custody and advice fees stand in your broker's or adviser's price list and in the yearly cost statement that MiFID II requires them to send you. Our explainer What the TER includes walks through each line.

Cost impact–

Total costs–

Details ↓

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