Calculator
ETF Growth & Fee-Erosion Simulator
See how ongoing fund costs (TER) affect your long-term wealth.
Set your parameters
VWCE · TER 0.14%
Wealth projection
25 years
Risk disclaimer: Investing involves risk of loss. The figures presented by this calculator are for illustrative purposes only and do not constitute financial advice. Past performance does not guarantee future results.
Wealth over time
Net balance at a return of ±2 percentage points: €265,030 to €500,282. An illustration, not a forecast.
Brokers to compare
Fees checked in September 2026.
This list shows brokers that serve retail investors in the Netherlands. The order is alphabetical and the same for every fund, regardless of any compensation.
BUX
- €0.99 per ETF order (market order).
- Plans: Basic €0, Plus €2.99, Prime €7.99 per month.
DEGIRO
- Core Selection ETFs: €1 handling fee per trade.
- Currency, external product and spread costs may apply.
Interactive Brokers
- Dutch ETF orders: 0.05% of trade value, minimum €1.25 (Tiered) or €3.00 (Fixed) per order.
- Third-party costs, such as exchange fees, may apply.
- No platform fees or account minimum.
Trade Republic
- Savings plans with no execution fee.
- €1 settlement fee per trade (€2 if the exchange is chosen via Direct Price).
Trading 212
- No commission on trades.
- 0.15% FX fee when the instrument’s currency differs from your account currency.
We currently receive no compensation from these providers. This is not personal advice or a recommendation. Fees can change: always check the provider’s current terms.
What is fee drag? Every fund charges ongoing costs (TER), deducted from its return. Because those costs also shrink compounding, the gap grows year after year. Example with the default settings (€5,000 start, €500 a month, 25 years, 6% gross a year): at 0.14% costs the difference is about €8,134; at 0.20% about €11,555.
How to read the result. Gross is the balance without fund costs, net the balance after costs. The band shows the net balance at 2 percentage points more or less return: an illustration of uncertainty, not a forecast.
Assumptions and limits. Monthly compounding, contributions at the end of each month, amounts not adjusted for inflation. No taxes (such as the Dutch Box 3), transaction costs or dividend withholding tax. Real returns vary and can be negative.
About the broker list. The list below the calculator is informational and the same for every fund. How it was put together is stated with it.