Recommend a calculator for assessing impact of fees

[garth]

Can anyone recommend a calculator that I can use to show my students the impact of loads and expense ratios on investment returns over time? I really like the FINRA Fund Analyzer (http://apps.finra.org/fundanalyzer/1/fa.aspx), but it doesn't allow for yearly contributions (it only models a one time investment).

This calculator (http://401kfee.com/how-much-are-high-fees-costing-you/) is more along the lines of what I'm looking for, but doesn't have an option to include a load.

Any suggestions? Thanks!

[MDM]

Ask them to do it themselves in a spreadsheet?

Might depend on how old they are and if you can assume they have spreadsheet access, but something they do themselves will likely have more impact....

ETA: If a graph of balance vs. time isn't needed, they could do the P * (1 - load) * (1 + (i - fee))^n calculation on a calculator for a one-time contribution.  Need to use the Future Value function (or get into its derivation) for annual contributions.