Recurring buy fee calculator
See how per-purchase fees eat into small regular buys, and how much they cost over the years.
Fees cost you after 10 years
Each buy loses $1.12, which is 4.5% of the purchase before the market moves at all. You pay $580 in fees, plus the growth those dollars would have earned.
How this calculator works
Each purchase loses a flat fee and/or a percentage before it is invested. The calculator compares your plan with and without those costs.
Small buys feel the most: a $0.99 fee on a $25 purchase is about 4%.
Common questions
Do stock brokers charge recurring buy fees?
Many large US brokers offer free recurring investments in stocks and ETFs. Crypto apps more often charge a fee or spread.
What is a spread?
The difference between the price you pay and the market price. It is a fee even when the app says "no commission".
How do I cut fees?
Buy less often with bigger amounts, or move to an app with free recurring buys.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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