インタラクティブ定量金融・リスク計算ツール · E-E-A-T 数式監査
JA · 日本語ETF expense ratio calculator
An ETF’s expense ratio is deducted from the fund every year, so small differences compound into large sums. Compare two funds side by side to see the cost in money, not just basis points.
Cost of the pricier fund
8,463.04
Total fee & compounding drag
- Final value — fund A
- 180,836.00
- 326.33 direct fees
- Final value — fund B
- 172,372.96
- 6,880.86 direct fees
- Final value with no fees
- 181,256.26
| Year | Fund A value | Fund B value | Cumulative drag |
|---|---|---|---|
| 1 | 59,483.95 | 59,152.25 | 331.70 |
| 2 | 69,628.73 | 68,881.50 | 747.23 |
| 3 | 80,480.39 | 79,224.14 | 1,256.25 |
| 4 | 92,088.19 | 90,218.82 | 1,869.36 |
| 5 | 104,504.80 | 101,906.67 | 2,598.13 |
| 6 | 117,786.59 | 114,331.38 | 3,455.21 |
| 7 | 131,993.84 | 127,539.40 | 4,454.44 |
| 8 | 147,191.04 | 141,580.12 | 5,610.92 |
| 9 | 163,447.16 | 156,506.04 | 6,941.13 |
| 10 | 180,836.00 | 172,372.96 | 8,463.04 |
1. 基礎数式およびプライシング恒等式
Each year: Value = (Value × (1 + gross return)) × (1 − expense ratio) + contribution
2. 入力パラメータと使用方法
Enter your starting amount, a yearly contribution, the expected gross return before fees and the two expense ratios to compare.
Fees are taken from the grown balance each year, so you see both the direct fee and the growth it would have earned.
3. 前提条件およびモデルの限界
- Contributions are added at the end of each year. Returns are constant and before tax.
- Ignores trading spreads, tracking difference and securities-lending income, which can move a fund’s real cost above or below its stated ratio.
4. よくある質問とリスク管理解説（FAQ）
Is a 0.1 percentage-point difference worth worrying about?
Over long horizons, yes. On £/$/€100,000 growing at 7% for 30 years, 0.1 points of extra cost reduces the final value by roughly 2–3%.
「ETF expense ratio calculator」の計算結果を機関リスク管理フローでどのように検証できますか？
ETFYield Lab は本ページにすべての数式と日数基準を明記しています。リスク管理チームは同一の入力値をPython/Pandas等で独自に再現でき、さらに ETFYield Lab のライセンス検証センターで取引先法人の規制ステータスを確認できます。
免責事項：本ツールは教育および定量リサーチのみを目的としており、投資助言ではありません。計算結果は入力値と上記の前提条件に依存するため、重要な数値は独自に検証してください。