Interactive tool

How much do fees really cost?

A fee sounds small (1%, 2%), but it comes off your whole balance every year, for decades. Slide it and watch what it quietly takes.

Yearly fee

Drag to change the yearly fee1.00% a year

0%0.2%low-cost ETF2%bank fund3%

Over

$31,110

is what a 1.00% fee quietly takes out of your final outcome over 30 years, next to paying no fee at all.

Fees you’d actually pay

$22,431

Growth those fees never earned

$8,679

Your portfolio value over time: what your savings grow to, year by year

If there were no fees With this fee The shaded area = what fees take

Example saver: $5,000 to start, $300 a month, growing at the platform’s diversified-mix planning assumption. Round example figures to show the shape, not your plan.

Curious what you actually pay? Most bank mutual funds run 1.5%–2.5%. It’s on your statement or the fund’s Fund Facts. From 2027, Canadian statements must show it in dollars.

An illustration in today’s dollars, before other costs (trading, currency, platform) and taxes. The growth rate is the platform’s governed planning assumption, not a prediction, and it’s held equal with and without the fee. This shows what a fee costs, not whether a pricier fund performs better. Not advice to buy, sell, or switch.

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