// $ fees --compare

Fund fee calculator

Fees look tiny because they’re quoted per year. Clever, that. Over decades they compound just like returns, only into somebody else’s pocket. Compare a cheap index fund with an expensive one.

Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.

// how it is calculated

No black box.

Both funds earn the same return before costs. The yearly costs are taken off the return.
Front-end loads and performance fees are not included. They make it worse. Obviously.

fund-fees – notes

# everything runs in your browser
# nothing is stored or sent
$ share --link
✓ your numbers travel in the link, not to a server

// the background

Read the why.

Investing28 Sept 20267 min

MSCI World vs FTSE All-World: the fight that barely matters

Four global indices, fact sheets of 31 August 2026. Holdings, US share, emerging markets. And why your costs matter more than the logo on the index.

Read

Investing28 Sept 20268 min

Investing in Europe: start here, ignore the American advice

Why your broker blocks US ETFs, what UCITS does for you, how to vet a broker and read an ETF label. Plus a six-step setup for one afternoon.

Read

// more tools

While you’re at it.

All tools

$ pension --reality-check Pension gap What the state promises, what the budget can afford, and the hole in between. Open $ compound --monthly 300 Compound interest What a boring monthly savings plan turns into. Before and after inflation. Open $ freedom --when Freedom number Your savings rate decides when you’re financially free. Not your boss, not a ministry. Open $ inflation --years 30 Inflation What your money buys in 10, 20, 30 years. The tax nobody had to vote for. Open