Calculate ETF returns net of expense ratio. Free online ETF return calculator with formula, examples, and FAQ for ETF investors.
ETFs (Exchange-Traded Funds) charge an annual expense ratio that reduces your returns. Even a small difference in expense ratio can significantly impact long-term wealth. This calculator shows your net returns after accounting for the expense ratio, helping you understand the true cost of ETF fees and compare different ETF options. Lower expense ratios mean more of your money stays invested.
Net Return = Gross Return - Expense Ratio | Net FV = Investment × (1 + Net Return)^YearsThe expense ratio is deducted annually from the gross return. For example, if an ETF returns 10% gross with a 0.5% expense ratio, your net return is 9.5%. Over many years, this compounding difference becomes significant. A $50,000 investment for 20 years at 10% gross vs 9.5% net results in over $15,000 less wealth.
| Input | Output |
|---|---|
| $50,000, Expense Ratio: 0.03%, Gross Return: 10%, 10 years | Net FV: $129,564.69, Gross FV: $129,687.14, Fees: $122.45 |
| $100,000, Expense Ratio: 0.50%, Gross Return: 10%, 20 years | Net FV: $611,857.57, Gross FV: $672,749.99, Fees: $60,892.42 |
| $25,000, Expense Ratio: 1.00%, Gross Return: 8%, 15 years | Net FV: $73,615.36, Gross FV: $79,304.52, Fees: $5,689.16 |