Hidden Bank Fees Calculator

Expose the Hidden Costs in Your Portfolio

Most successful expats are unaware of the true cost of their private bank. While you might see a standard 2% advisory fee on your statements, an entire ‘Extraction Engine’ of hidden charges is likely operating below the surface.

Custody fees, platform administration costs, underlying fund charges, and foreign exchange spreads can easily push your total real cost to 4% or 5% per year. Over a decade, this ‘Wealth Drag’ can consume massive amounts of your potential growth.

Enter your details into our hidden bank fees calculator below to reveal the mathematical reality of your current setup.

What is Wealth Drag?

Wealth Drag is the silent, compounding erosion of your capital caused by the “Extraction Engine” of traditional private banking. While a 2% or 3% difference in fees might seem insignificant in a single year, these costs act as a permanent anchor on your portfolio’s performance.

When your total real costs reach 4% or 5%, the bank is effectively taking more than half of your expected annual growth. This prevents your wealth from reaching the “escape velocity” required for true long-term preservation. This calculator is designed to expose that drag by looking past the marketing jargon and revealing the cold, hard numbers of your investment inefficiency.

How This Calculator Exposes the Truth

By inputting your current portfolio value and stated fees, our engine applies industry-standard data to reveal the “Fee Iceberg” lurking beneath the surface:

• Custody & Platform Fees: Charges simply for the privilege of holding your assets.

• Fund Transaction Costs: Internal layers of fees often hidden deep within complex fund-of-funds structures.

• The FX “Silent Killer”: The significant percentage lost every time you move capital between currencies.