IE
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Without Fees
€690,650
With Fees
€590,823
Lost to Fees
€99,827
Total Invested
€190,000
See how management fees eat into your investment returns over time — the difference between 0.75% and 0.22% could be hundreds of thousands.
This calculator models the long-term impact of annual management fees on your investment returns, tailored for Irish investors. It runs two parallel projections — one at the full growth rate, one with fees deducted monthly.
The comparison scenario lets you see how switching from your current fund fee to a lower-cost alternative (e.g. from 0.75% active fund to 0.22% passive ETF) changes your final outcome.
Irish users can enable the 41% ETF exit tax toggle to see after-tax returns. Results are for illustration only.
Without fees vs with 0.75% annual fee vs cumulative fees paid
No fees vs with fees vs fees paid
Current vs target fee scenario
Annual breakdown of the fee drag
No fees — ROI 263.5%
Invest €190,000 → €690,650
Growth: €500,650
With 0.75% fee — ROI 211.0%
Invest €190,000 → €590,823
Total fees paid: €48,474
Opportunity cost
€99,827
Lost to fees over 30 years
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📊 Fee Impact Calculator Ireland 2026 • Invested: €190,000 • Without fees: €690,650 • With 0.75% fee: €590,823 • Lost: €99,827
A 0.75% fee on a €500/month investment over 30 years at 7% growth can cost over €150,000 — roughly 25% of your potential returns. Even 0.25% can make a six-figure difference over a lifetime of investing.
Passive index funds typically charge 0.05% to 0.25%. Active funds charge 0.5-1.5% but rarely outperform after fees. For Irish-domiciled ETFs, OCFs range from 0.05% to 0.75%.
The annual fee input represents the total ongoing charge. Most Irish platforms charge 0.25-0.75% in addition to fund fees. Add both together for a complete picture of your total costs.
Irish ETFs already face 41% exit tax and deemed disposal every 8 years. Adding high management fees on top significantly reduces net returns. A low-cost ETF with 0.1% OCF is strongly preferable to a 0.75% active fund.
A 1% fee on a €10,000 lump sum with €500/month contributions over 30 years at 7% growth reduces your final pot by approximately €150,000 — roughly 25% of the fee-free value.
If you are comparing two funds tracking the same index, the cheaper one is almost always better. Switching may trigger CGT — check if the gain exceeds the €1,270 annual exemption.
Irish investors face higher fund costs than UK investors due to a smaller market. Compare fund OCFs carefully. A difference of 0.5% can cost tens of thousands over a 20-year period.
ETFs typically have lower OCFs (0.05-0.25%) than Irish-domiciled unit trusts (0.5-1.5%). However, ETFs are subject to 41% exit tax while some unit trusts qualify for 33% CGT treatment.
Fees compound just like returns. You pay fees on top of fees each year. This is why a 1% fee difference over 30 years can mean hundreds of thousands in lost growth.
Irish pension fees typically range from 0.5-1.5% annually. Executive pensions and PRSAs often have higher fees. Use this calculator with your pension fee rate to see the long-term impact.
Look for Total Expense Ratio (TER) under 0.5% for passive funds. Active funds should justify higher fees with consistent outperformance, which is rare. Also check for exit fees and switching fees.
Annual Management Charge (AMC) is typically 0.5-1% of fund value. OCF includes AMC plus other expenses. The OCF is the true total cost. Use OCF in this calculator for accuracy.