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Bank fee drag calculator

What monthly account fees cost over time.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
6%

Fees paid

$1,440

Opportunity cost

$1,967

With these inputs, fees paid comes to $1,440 over 10 years. Opportunity cost works out to $1,967.

Per year
$144

Over time · by years

What moves the number · Fees paid

Input−10%Now+10%
Monthly fee$1,296$1,440$1,584
Years$1,296$1,440$1,584

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What monthly account fees cost over time.

A worked example

Starting figures

Monthly fee
$12
Years
10
If invested instead
6%

What it returns

Fees paid
$1,440
Opportunity cost
$1,967
Per year
$144

How to read the results

With the defaults above, fees paid works out at $1,440.

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