Weighted Average TER
The expense ratio of every ETF and fund you hold, weighted by position size. One honest number for the whole portfolio instead of a folder of factsheets.
Premium feature TER summary free on every plan
See What Your Funds Really Cost You
One weighted expense ratio for your whole portfolio, the fee bill in your currency, and what those fees compound to over 30 years next to a low-cost world ETF, so you know exactly what you pay to stay invested.
Cancel anytime · The TER summary is free on every plan
Fee impact
Weighted avg TER 0.18% / yr
Est. annual cost$108
Fees over 10 years$2,000
Fees over 30 years$22,400
vs 0.07% world ETF after 30y-$13,500
A 0.5% fee sounds harmless until you compound it. Fee Impact reads the expense ratio of every fund you hold, weights it by position size, and shows the one number fund factsheets never print: what your funds cost you in money, this year and over the next 30.
What you get
Your fund costs, finally in one place
Six views that turn scattered factsheet numbers into a decision you can act on.
Annual Cost In Your Currency
The weighted TER applied to your actual fund value: what your funds cost you per year in dollars, euros or your preferred currency, not in percent.
30-Year Projection
A chart of your fund value growing net of fees next to the same money at a low-cost rate, with cost milestones at 10, 20 and 30 years.
Low-Cost Benchmark
Your funds compared against a 0.07% world ETF. See the fee drag as a difference in final wealth, not as an abstract percentage.
Per-Fund Breakdown
Each fund listed with its TER and its share of your portfolio, so the expensive position hiding between the cheap index funds stands out immediately.
Calculator Deep Links
Open the compound interest calculator prefilled with your fee-adjusted rate or the benchmark rate, and stress-test the numbers yourself.
How it works
From holdings to a fee bill in minutes
No factsheets to download and no TER tables to copy. Your positions are enough.
1
Add your funds
Track your ETFs and funds in the portfolio, the same positions you already use for everything else.
2
TERs resolve automatically
Each fund's expense ratio is fetched and stored per ISIN, refreshed on a slow cycle because fees rarely change.
3
Read your summary
Weighted TER, estimated annual cost and fund coverage appear on your portfolio overview, free on every plan.
4
Project and compare
Premium unlocks the 30-year projection, the benchmark comparison and the per-fund breakdown, so you can decide if a switch is worth it.
Under the hood
What does a fee impact analysis actually compute?
Three numbers turn "fees are bad" into something you can measure.
Weighted TER
Each fund's expense ratio multiplied by its share of your fund value, summed across the portfolio. A 0.9% niche fund at 5% of your portfolio moves the average less than a 0.25% fund at 40%.
Cost including lost compounding
The projection compares growth at your assumed return with growth at that return minus your TER. The difference is what fees truly cost: the fee itself plus everything that money would have earned.
Benchmark drag
The same projection run at a 0.07% world-ETF rate. The gap between the two end values is what staying in your current funds costs relative to the cheapest broad alternative.
Why not by hand?
Fee analysis vs digging through factsheets
Every number here is public. Collecting it yourself is the expensive part.
Factsheets and a spreadsheet
Look up each fund's TER, weight every figure by your position sizes, build the compound interest table for the fee-adjusted rate, and redo everything when you rebalance or a fund cuts its fee. An evening of work that silently goes stale.
The fee impact view
Expense ratios are fetched per fund and kept current, the weighting recalculates from your live positions, and the projection updates as your portfolio changes. The analysis is always about the funds you hold today.
Who it's for
Built for cost-conscious investors
Multi-Fund Investors
Hold a mix of ETFs? See the blended fee you actually pay, not the headline TER of your cheapest fund.
Active-Fund Holders
Own legacy mutual funds from a bank advisor? Put their 1.5% fees next to an index alternative and see the 30-year difference.
FIRE Planners
Fee drag moves retirement dates. Quantify how much of your final portfolio goes to fund providers instead of funding your freedom.
Cost Optimizers
Already fee-aware? Verify your portfolio actually is as cheap as you think, and catch the expensive position that slipped in.
How honest is the projection?
Deliberately conservative and fully labeled. It assumes 7% annual growth on your current fund value, the same default as the compound interest calculator, with no future contributions. Fees are modeled as an annual drag on returns, and cost figures include the compounding those fees would have earned. TER only: trading spreads, taxes and broker fees are not included, so your true all-in cost is, if anything, higher.
Part of Premium
One subscription, the whole picture
The full fee projection is included with Premium - alongside daily snapshots, unlimited history, ETF overlap detection, dividend analysis and the Paycheck Advisor. The TER summary itself is free on every plan.
Frequently asked questions
What is a TER (total expense ratio)?+
The TER is the annual fee a fund charges for managing your money, expressed as a percentage of your investment. A 0.20% TER on a 10,000 position costs about 20 per year. It is deducted inside the fund, so it never appears on your broker statement, which is exactly why it is easy to ignore.
How is my portfolio's weighted TER calculated?+
Each fund's expense ratio is weighted by that fund's share of your total fund value. If 80% of your fund money sits in a 0.07% ETF and 20% in a 1.5% mutual fund, your weighted TER is about 0.36%. Positions without a known TER are excluded from the average and shown separately, so the number never pretends to know fees it does not.
Why do small fees matter so much over 30 years?+
Because fees compound just like returns do. One percentage point of annual fees on a portfolio growing at 7% does not cost you 30% over 30 years, it costs you roughly a quarter of your final wealth, because every fee payment also forfeits all the growth that money would have earned. The projection makes that visible in your own numbers.
Where does the TER data come from?+
Expense ratios are fetched automatically per fund ISIN from public fund-profile data and refreshed on a slow cycle, since fees rarely change. Funds whose TER cannot be resolved yet are labeled "not covered" and excluded from the projection rather than guessed.
Is fee impact analysis free?+
The summary is free on every plan: your weighted average TER, the estimated annual cost in your currency, and how many of your funds are covered. The 30-year projection, the low-cost benchmark comparison and the per-fund breakdown are part of Premium, which you can try free for 7 days.
What growth rate does the projection assume?+
A labeled 7% annual growth on your current fund value with no future contributions, the same default the compound interest calculator uses. It is an assumption, not a forecast: the point of the projection is the difference between the fee-adjusted paths, which holds across a wide range of growth rates.
Is the TER my total cost of investing?+
No, and the analysis says so explicitly. The TER covers the fund's internal running costs. Trading spreads, broker commissions, taxes and currency conversion costs come on top. Treat the fee impact figures as a floor for your true all-in cost, not a ceiling.
Why is a 0.07% world ETF used as the benchmark?+
It represents the cheapest broadly diversified alternative an ordinary investor can actually buy: globally diversified equity exposure at rock-bottom cost. Comparing against it answers the practical question "what would the same money do in the cheapest sensible fund?" rather than an academic zero-fee fantasy.
Which of my positions are included?+
ETFs and mutual funds with a known ISIN. Individual stocks have no expense ratio, so they are not part of the fee analysis. If a fund position is missing, it usually means its ISIN has not been resolved yet; it will be picked up as the reference data updates.
Ready to see your real fee bill?
Your weighted TER is free to check. The 30-year answer is one trial away.
7-day free trial · No charge until it ends · Cancel anytime
Fee figures shown are illustrative. Projections are model calculations based on labeled assumptions, not forecasts. TER data is provided for informational purposes and is not financial advice.