Personal Finance Tool

The Fee Reality Check

Fund fees sound like rounding errors — half a percent here, one percent there. But over a decade or two, those little numbers quietly shape what you keep. Tell this tool your fee bands and a rough balance range, and AI explains in human terms what fees like yours tend to mean over your timeline — and hands you the exact questions worth asking. Education only. No advice, no doom math, no "switch your funds" pitch.

🎓
100% Educational
Plain English, no jargon
🚫
No Advice, Ever
Questions to ask, not answers to buy
⏱️
~1 minute
Ballpark bands are all you need
Educational Not advice AI-Generated
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You Your Money Your Fees Review

Let's get started 👋

We'll send your Fee Reality Check straight to your inbox — no account needed.

Please enter your first name
Please enter your last name
Please enter a valid email address

Your money 💰

Ballpark ranges are perfect — fees matter in proportion, so we only need the neighborhood, not the street address.

Under $100k
$100k–$250k
$250k–$500k
$500k–$1M
$1M–$2M
$2M+
Not sure
Please pick a range
5 or fewer
About 10
About 15
20 or more
Please pick a timeframe
🧭 Why the timeline? Fees are a per-year cost, so the same fee band means something different over 5 years than over 20. A rough guess is all this needs.

Your fees 🧾

Fee bands are usually listed as an "expense ratio" on your statement or your plan's fund page. Closest band wins — precision isn't the point here.

Please describe the fund — a nickname is fine
Under 0.1%
0.1%–0.25%
0.25%–0.5%
0.5%–1%
1%–1.5%
Over 1.5%
Not sure
Please pick a fee band
Second fund (optional)
Under 0.1%
0.1%–0.25%
0.25%–0.5%
0.5%–1%
1%–1.5%
Over 1.5%
Not sure
None
About 0.5%
About 1%
1.5% or more
Not sure
Please pick an option — "Not sure" is fine
💡 "Not sure" is a perfectly good answer — in fact, discovering you're not sure is half the point of this exercise, and your results will include how to find out.

Ready for your reality check ✨

Here's what we'll hand to the AI. Double-check it looks right, then generate your fee breakdown.

Sending to
Balance range
Years until retirement
Fund 1
Advisor / account fee
The Make.com automation pipeline will use Claude AI to explain, in human terms, what fee bands like yours tend to mean over your timeline — plus the questions worth asking. It arrives in your inbox in about 60 seconds.
ℹ️ Educational only — not financial, tax, or investment advice. This reality check is a general thinking aid based on the fee bands you entered. It doesn't know your full situation and will never tell you to switch funds. For decisions about your money, talk with a licensed financial professional.
Running your fee reality check...

Claude AI is translating your fee bands into plain English and drafting the questions worth asking. This usually takes under 60 seconds — check your inbox!

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Your email includes a unique link to revisit this reality check anytime!

Your Fee Reality Check
Your Reality Check
ℹ️ Educational only — not financial, tax, or investment advice. For decisions about your money, talk with a licensed financial professional.