ETF Fee Comparison Calculator

Welcome to Vanguard’s Exchange Traded Fund (ETF) Fee Comparison Calculator. You can use it to compare Vanguard ETFs against other ETFs and see how lower costs can make a big difference to your balance over time.

The calculator makes various assumptions when generating results. Changing the assumptions will change the results. Click here for more information.

ETF Fee Comparison

The graph shows the projected investment balance using your fund's fee structure and the Vanguard ETF's fee structure.

The difference in the final balance is the effect of fees. Adjust the sliders to see the effect of each item on your final balance.

  • Note that, for a fair comparison, the comparison fund should have a similar risk profile to your own fund.
$ 0
$ 50,000
Year Your Fund

Other fund

























Note: All figures are in today's dollars.

Your fund

Vanguard ETF

Projected investment balance after 0 years

Your fund Vanguard ETF Difference

Projected investment balance after 20 years

Note: all figures are in Australian currency and are expressed in today's dollars. Fluctuations in exchange rates have not been taken into account.

Vanguard Personal Investor provides you with seamless and secure online access to buy and sell a wide range of low-cost Vanguard ETFs and managed funds, as well as to the top Australian shares.

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Important notes

This calculator is not intended to be relied upon when making financial decisions. You should consider seeking professional advice before making any decision. The results which you generate when using this calculator are dependent on the variables you input and the assumptions made by the calculator. As the variables and assumptions are unlikely to match your situation precisely, the results will not be reflected accordingly.

Vanguard is not offering the Vanguard FTSE Emerging Markets Shares ETFs in the United States and this document does not constitute an offer or an invitation to apply for or acquire any interests in the ETF in the United States. Information about the Vanguard FTSE Emerging Markets Shares ETF (VGE) is not intended for persons present in the United States of America.

The assumptions made by this calculator, and their limitations, are explained in the Assumptions section. We believe the assumptions (leaving aside the ones you input) provide a reasonable general view. A complex range of circumstances can impact on the calculations and it is necessary to take these into account to some extent. Given this calculator's purpose is to generate general illustrations and not accurate predictions, we think it is reasonable for the calculator to simplify reality. As these assumptions will be the same for any calculation, when you change a variable the result will be a reasonable illustration of the impact of that particular variable change. Some assumptions are conservative estimates of likely scenarios. The assumption given for inflation is based on recent inflation rates. Actuarial advice has been provided to ensure that the assumptions are appropriate.

You should consider the product disclosure statement (PDS) or prospectus for a fund and your personal circumstances, or those of any other relevant person, in order to decide whether a fund is suitable for you or any other person. A PDS for Vanguard funds can be obtained here or by calling 1300 655 101.

Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer.

© 2021 Vanguard Investments Australia Ltd. All rights reserved.


The projections which you generate when you use the calculator indicate how much could be saved in retail managed funds over a period and illustrate the general effect of fees over the course of the investment. The figures are based on assumptions and are GENERAL ILLUSTRATIONS ONLY. You should refer to the "Assumptions" link to verify that the assumptions reflect your personal situation and the circumstances of the funds you are comparing. The projections are not intended to constitute or be a substitute for financial product advice given by a licensed financial adviser. They do not make any allowance for personal income tax.

NOTE: All references in this page to "Vanguard" are to Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227263.

Vanguard and its related companies specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with the access to or use of this calculator.

Other than is required under consumer protection law, under no circumstances will Vanguard and its related companies be liable for any loss or damage caused by a user's reliance on information obtained by using this calculator.

You should not make any decisions on the information contained herein without first consulting with your licensed financial adviser.

This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product, including a decision in relation to a particular managed fund or strategy. You should consider obtaining advice from an AFS licensee before making any financial decisions.The inflation assumption used in the calculator is provided by Deloitte Consulting Pty Ltd, ABN 46 892 629 039. Deloitte Australia has advised that it represents reasonable assumptions as at 20 March 2021. Vanguard will arrange for this rate to be reviewed regularly to ensure it remains appropriate for the purposes of this calculator but makes no representation that the assumption will be reasonable at all times between reviews.

Morningstar Average MER Data

Morningstar Research Pty Ltd. 2008 All rights reserved. ABN 83 062 096 342, AFSL 243161. All care has been taken in preparing this report, but to the extent that it is based on information received from other parties, no liability is accepted by Morningstar for errors contained in the report or omissions from the report. Morningstar gives neither guarantee nor warranty nor makes any representation as to the correctness or completeness of the information presented. Morningstar determines ratings on the basis of information disclosed to Morningstar by investment product providers and on past performance of products. Past performance is no guarantee of future performance.

To the extent that any Morningstar data, ratings or commentary constitutes general advice, this advice has been prepared by Morningstar Research Pty Ltd and does not take account of your objectives, financial situation or needs. Before acting on any advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. We recommend you obtain financial, legal and taxation advice before making any financial investment decision. All potential investors should obtain a Product Disclosure Statement relating to the product and consider the Statement before making any decision about whether to acquire the product. Please refer to Morningstar's Financial Services Guide (FSG) for more information at


Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer. We have not taken yours and your clients' circumstances into account when preparing our website content so it may not be applicable to the particular situation you are considering. You should consider yours and your clients' circumstances and our Product Disclosure Statement (PDS) or Prospectus before making any investment decision. You can access our PDS or Prospectus online or by calling us. This website was prepared in good faith and we accept no liability for any errors or omissions. Past performance is not an indication of future performance.

Important Legal Notice - Offer not to persons outside Australia

The PDS or Prospectus does not constitute an offer or invitation in any jurisdiction other than in Australia. Applications from outside Australia will not be accepted through the PDS. For the avoidance of doubt, these products are not intended to be sold to US Persons as defined under Regulation S of the US federal securities laws.

© Vanguard Investments Australia Ltd. All rights reserved.