Millennial investment growth and fee impact calculator illustration showing 401(k), Roth IRA, and brokerage account growth over time with a focus on how fees affect long-term returns.
Investment Growth & Fee Impact Calculator
Estimate how an investment portfolio may grow over time, and how fund fees (expense ratios) can reduce long-term results. This is financial education, not investment advice.
Initial investment ($)
Monthly contribution ($)
Time horizon (years)
Expected annual return (%)
Example: 7 = 7% per year (user assumption)
Fund fee / expense ratio (%)
Example: 0.15 = 0.15% per year
Inflation (optional, %)
Increase monthly contribution each year (%)
Example: 3% annual increase to match raises
Ending balance (net of fees)
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Ending balance (gross, no fees)
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Total contributions
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Total gain (net)
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Estimated fees paid
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Year-by-year summary
Year End balance (net) End balance (gross) Contrib to date Fees to date
Notes: This is a simplified estimate. Returns are assumed steady. Fees are modeled as an ongoing percentage of assets. Past performance does not guarantee future results.
Disclaimer: This calculator provides educational estimates only and is not investment advice. Results depend on assumptions you enter. Real markets include volatility, taxes, trading costs, and changing fee structures. Consider speaking with a qualified professional for guidance specific to your situation.
The Millennial Hub: A Practical Financial Literacy Master Class
The Millennial Hub isn’t a single article—it’s a growing collection of companion guides that work together. When read as a series, these articles are equivalent to a real-world master class in financial literacy, covering cash flow, taxes, debt, saving, long-term planning, and decision-making most people were never taught.
Each article stands on its own, but the real value comes from combining them. Concepts introduced in one guide are reinforced and expanded in others—helping you connect the dots between daily money decisions and long-term outcomes.
Example of a Core Companion Article
Taxes & Long-Term Impact — This article shows how tax policy, deductions, and long-term planning decisions quietly shape your financial future, reinforcing why cash flow awareness and informed choices matter over decades.
Tip: Start with cash flow and budgeting articles, then layer in taxes, credit, and long-term planning. Financial literacy builds best when concepts are learned in context—not isolation.