VYR-TOOL-COMPOUND-01 · free · a LeakReceipts product
Compound Interest Calculator
What your money grows to with monthly deposits — and what a yearly fee quietly takes out of it. No sign-up. Nothing leaves this device.
1 · Your money
The return is your own pick. Nobody can promise one — try a low number and a high one and look at both.
2 · The fee
Find it in your fund's prospectus fee table or your advisor agreement. A fee is taken every year from the whole balance, not just from the growth.
3 · What it grows to
Year by year
What the SEC's own example shows
The SEC's investor office ran a $100,000 investment growing 4% a year for 20 years. With a 0.25% yearly fee it ended near $208,000; with 0.50%, near $198,000; with 1.00%, near $179,000 — about $29,000 less than the 0.25% fee. VERIFIED: SEC investor bulletin, July 23, 2025
How this figures it: each month the balance grows at your rate for the compounding you picked, the fee is taken as one-twelfth of the yearly % of the balance, then the month's deposit is added at the end of the month. Taxes are not included.
Where this leads next
TrueNET — the truth about what you've got
This calculator shows what one fee costs one account. TrueNET reads what actually went out across everything you have — every fee, every price that crept up — and what you really keep.
- LeakReceipts — the free check that reads your statements and puts a receipt on every fee: leakreceipts.com
- Retirement Savings Calculator — free on the VyRal shelf, for what your savings could pay you each month.
Sources
- SEC Office of Investor Education and Assistance, "How Fees and Expenses Affect Your Investment Portfolio — Investor Bulletin," July 23, 2025, read 12 Nov 2026
https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/updated