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ETF and fund cost comparison

What do TER and sales charges really cost?

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Cost advantage of fund B

€28,551.68

Final balance fund A
€91,242.87
Final balance fund B
€119,794.55
Difference as % of B
23.8339%
Total contributions
€58,000.00

Compare scenarios

Save the current inputs as a scenario, change values, save the next one – and see them all side by side.

Cost advantage of fund B

€28,551.68

How the etf and fund cost comparison works

Compares two funds or ETFs with the same return before costs: how much final balance do ongoing charges (TER) and the sales charge cost over the years? Monthly savings plan with an optional lump sum.

Inputs

  • Lump sum
  • Monthly savings amount
  • Investment period (years)
  • Return before costs p.a.
  • Fund A: ongoing charges (TER) p.a.
  • Fund A: sales charge
  • Fund B: ongoing charges (TER) p.a.
  • Fund B: sales charge

Results

  • Cost advantage of fund B
  • Final balance fund A
  • Final balance fund B
  • Difference as % of B
  • Total contributions
Show formulas
  • Cost advantage of fund B: endB - endA
  • Final balance fund A: round(fv(zinsA, jahre * 12, -rate * (1 - aufschlagA), -startkapital * (1 - aufschlagA), 1), 2)
  • Final balance fund B: round(fv(zinsB, jahre * 12, -rate * (1 - aufschlagB), -startkapital * (1 - aufschlagB), 1), 2)
  • Difference as % of B: endB > 0 ? differenz / endB : 0
  • Total contributions: startkapital + rate * 12 * jahre

Add your own result fields with “+ Field” – every input is available as a variable.

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