Compound calculator
What do fees cost me, and what does 1% a day really take?
Growth over 20 years
Illustrative, steady rateA 1.50% yearly fee takes 24.8% of the end result, because it also eats the growth on the growth.
What “1.0% a day” really takes
252 trading daysSteady rates hide the bad years. Past returns do not predict future returns. Ignores inflation and taxes. For education only. Not financial advice.
How to read the result
Technical
Fees compound too: a 1.5% annual fee comes off the return every year, not once.
Plain English
A small yearly fee takes a big slice of the end result, because it eats the growth on the growth.
Technical
1% a day over 252 trading days compounds to about 12.3x.
Plain English
'Just 1% a day' means turning S$10,000 into about S$123,000 in a year. Almost nobody does that.
A worked example
S$10,000 at 6% a year for 20 years grows to S$32,071.35. With a 1.5% annual fee it's S$24,117.14. The fee cost S$7,954.21.
What it can't tell you
- Real returns are uneven. A steady rate hides the bad years.
- Past returns don't predict future returns.
- It ignores inflation and taxes.
From the carousel: What fees cost you
For education only. Not financial advice.