Explainer
Fees and Taxes Not Included What It Means
The checker focuses on historical price movement. Real-world results can be lower once fees and taxes are considered, and those numbers are personal to your accounts and location.
Published: December 26, 2025 · Updated: December 26, 2025 · By FinToolSuite Editorial
Disclaimer
- Educational purposes only, not financial advice.
- This is general information, not tax or legal advice.
- Examples are illustrative; results depend on your inputs and assumptions.
- Past performance is not a reliable indicator of future results.
- See the Privacy Policy for data handling details.
Open the Investment History Checker
Use it to learn and compare price history, then layer your own fee and tax context.
Quick answer
- Fees and taxes can reduce what you keep.
- Many tools show gross price changes, not your personal net outcome.
- Use the tool for learning and comparison, then sanity check with your own context.
What fees and taxes mean here
- Fees: costs charged by a fund, platform, or broker.
- Taxes: amounts owed under local rules when you receive income or sell for a gain.
Why tools often exclude them
Fees vary by provider and account type. Taxes vary by country, account, holding period, and personal situation. Reliable modelling would require personal data the tool should not ask for.
Common fee types
| Type | What it is | Where it shows up |
|---|---|---|
| Fund ongoing charge | Percentage per year | Funds and ETFs |
| Trading commission | Per trade cost | Some brokers |
| Spread slippage | Difference between mid and execution | Buying and selling |
| Account platform fee | Fixed or percent | Some platforms |
Mini illustrative example
Start: 10,000
Gross end: 15,000
Illustrative annual fee: 0.5% per year
Net end (illustrative): lower than 15,000 because fees compound over timeSmall percent differences can compound over time. This is illustrative only and not a projection.
What this means for your Investment History Checker results
The tool output is a historical illustration based on the data and assumptions stated. Your net result may be lower once fees and taxes are considered. Use results to compare windows and understand volatility, not to estimate personal after-tax performance.
How to think in net terms (no advice)
- Treat tool return as a starting point.
- Consider whether your account has ongoing fees.
- Consider whether selling triggers tax in your situation.
- Compare scenarios using the same fee assumption if you do your own spreadsheet.
Quick checklist
- [ ] Am I looking at price return or total return?
- [ ] Are dividends included?
- [ ] Did I include any fund or platform fee in my own expectations?
- [ ] Would selling create tax in my situation?
- [ ] Is this window long enough to be meaningful?
- [ ] Did I check max drawdown and worst year?
See common mistakes and the FAQ.
FAQ preview
Does the tool include fees?
No. It focuses on price history; fees vary by provider and account.
Does it include taxes?
No. Taxes are personal and vary by country, account, and holding period.
Why does my broker show a different number?
Your broker includes your fees, taxes, execution prices, and cash flows. The tool does not.
Do fees matter for long windows?
Yes. Even small percentages can add up over time.
Where can I learn what is included?
Check the tool notes and the Investment History Checker FAQ.
Run a check, then add your context
Compare windows in the tool, then layer your own fee and tax considerations before making decisions.