Portfolio Expense Ratio Calculator

Multiply each fund's expense ratio by the money you have in it, add the results and divide by your total: Σ (expense ratio × amount) ÷ Σ amount. The sum on top, Σ (expense ratio × amount), is what the fees cost you a year, because an expense ratio is the yearly fee a fund takes out of its own value.

A fund without a published expense ratio shows a dash and stays out of the average instead of counting as zero; a single stock charges no fund fee.

The example: (0.0945% × $40,000 + 0.75% × $10,000 + 0.03% × $40,000 + 0.19% × $10,000) ÷ $100,000 ≈ 0.14%, about $144 a year.

Where the numbers come from

The expense ratios are the funds' published ongoing charges (TER), from the issuers' documents via our market-data providers. The same-index funds come from our own checked list of large index funds.

Data as of October 23, 2026.

Fees are one side of a portfolio: you can also see the countries and companies inside your funds.

About $30,100 on the example's $100,000, if it grows 7% a year for 30 years with nothing added: before fees it would reach about $761,200, and with a 0.14% yearly fee about $731,100. The fee is taken every year from money that would otherwise keep growing, so it compounds too; the 7% return is an assumption to show the effect, not a forecast.

At 0.75%, ARKK's fee, the same $100,000 would give up about $144,800.

A same-index twin is another fund that tracks exactly the same index as yours, in the same form, for a lower fee. In the example, SPYM tracks the S&P 500 like SPY does, for 0.02% a year against SPY's 0.0945%: $30 a year less on $40,000.

We compare like with like: a US-listed fund with US-listed funds, a European (UCITS) fund with UCITS funds, with the same income policy (accumulating or distributing) and the same currency hedging, and we show a twin only when it is at least 0.05 percentage points cheaper. A fund our list does not include gets no twin, which says nothing about its fee.

Hold a US ETF but invest from Europe? Find the UCITS equivalent of a US ETF.

Not automatically: a lower fee saves a little every year, while a switch can cost tax and trading costs at once. A fund on the same index holds the same companies at nearly the same weights, so before fees the two should return about the same.

Selling a fund that has gained can trigger capital-gains tax, which in one year can cost more than many years of the fee difference, and in many countries a switch between two funds is taxed like any other sale. Every trade also pays the spread between the buy and the sell price, and sometimes a broker fee.

Money you have not invested yet carries none of these costs: you can rebalance your portfolio with new money instead of selling.

Same index does not mean identical: funds can differ in how they copy the index, in securities lending, in how closely they track it, in their share class and in where they are domiciled, which can change how their dividends are taxed. This page compares published fees only.

1. 1

   Add your funds

   Pick your currency, then search each fund you hold by name, ticker or ISIN and type how much you have in it.

2. 2

   Read your weighted fee

   The headline names the fund that takes the biggest share of your fees; under it are your weighted expense ratio, what it costs a year and each fund's fee.

3. 3

   Check the colours

   Green is a fee of 0.20% or less, amber up to 0.50%, red above 0.50%.

4. 4

   Compare on the same index

   Under the sign-up card, every fund with a cheaper fund on exactly the same index in our list shows that fund and what its fee would save on your amount.