Mutual Fund Fee Impact & Growth Calculator (Canada)

A simple, plain-English tool to see how your contributions can grow and how the MER (management expense ratio) affects long-term results. We compare Your Fund vs a Low-Cost Alternative.

Your Inputs

Initial Investment (what you already have)

Monthly Contribution (start of each month)

Gross Annual Return (before fees)

Typical long-term average 4–8% for diversified portfolios.

Time Horizon (Years)

Your Fund MER

Low-Cost MER

Results

Your Fund Value

Fees paid: $0

Low-Cost Value

Fees paid: $0

Difference by end: $0 higher value with low-cost option, and $0 less paid in fees.

Method: Monthly contribution at the start of each month. Apply gross monthly return, then deduct monthly MER on balance. Values shown are net of fees.

Disclaimer: Educational estimate only. Returns/fees vary by fund series and provider. Taxes outside registered accounts are not included.