Back to all tools

Free tool

Free 401k Fee Calculator — See How Much Fees Are Costing You

See how a higher expense ratio compounds over time by comparing your current 401k fund cost against a lower-cost alternative.

This calculator assumes a 7 percent gross annual return before fees and uses a 4 percent withdrawal guideline to translate the gap into months of retirement income lost.

401k inputs

Balance comparison at retirement

Current fee
Alternative fee

When the gap opens up

YearCurrent fee balanceAlternative fee balanceDifference

Lower fees keep more of your return compounding for you year after year.

Want the portfolio side of the solution?

The 3-Fund Portfolio Kit shows how to move toward a simple, diversified, lower-cost portfolio and maintain it with less friction.

See the 3-Fund Portfolio Kit