Annual Fee Calculator
Calculate total annual fees for credit cards, loans, and financial products. Compare fee structures and estimate total costs over time.
Step 1: Product Details
5 years
Common Annual Fees
Credit cards: $0-$695/year. Loans: 0.5%-3% of balance. Mortgages: $0-$500/year. Investment accounts: 0.1%-2% of assets.
Step 2: Fee Structure
USD
0%
Fee Calculation
Total fees = (Base annual fee × years) + (Percentage fee × average balance) + Additional fees. Results assume annual compounding.
Annual Fee Analysis
Summary
Yearly Breakdown
Fee Comparison
Total Estimated Fees Over Term
$475.00
5 years at $95/year
Annual Fee
$95.00
Monthly Cost
$7.92
Total Over Term
$475.00
% of Principal
9.5%
Year-by-Year Fee Breakdown
| Year | Annual Fee | Cumulative Fees | % of Principal | Notes |
|---|
Compare Fee Structures
Annual Fee Calculation Formula
Total Fees = Σ(Annual Fee × (1 + Annual Increase%)^Year)
Annual fees compound with any annual increases. Percentage fees are calculated based on the average balance each year. Late/foreign fees are estimated at 10% probability.
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