401(k) / 403(b) Fee Drag

See how much a maintenance fee is costing your retirement over time.

Current balance ($)

Annual fee ($)

Annual contribution ($)

Assumed return (%)

Years to simulate

Total fees paid

$672

Balance with fees

$-28

Balance without fees

$803

Lost to fees

$831

As % of balance

103.5%

Verdict

Fees > 50% of starting balance — roll the account over to a no-fee IRA.

About this tool

Project your balance with and without the fee over a custom horizon and expected return. Targets r/personalfinance '403(b) $96 annual fee' complaint — see whether to roll the account over.

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