Interactive calculator · 2026

See the MER drag in dollars.

A fee that looks small compounds. Pair this with the ETF vs Direct tables. Educational. Not a forecast.

Your inputs

Presets

Ending value · no MER

$0

With MER

$0

Dollar drag

$0

Calculating...

Illustrative only. Not a forecast. MERs change. Confirm live fees and suitability with a qualified Canadian advisor.

How to read this

What model does this use?

Compound annually once a year. Ending value with no MER is principal × (1 + return)^years. With MER, net growth each year is roughly return minus MER, matching the educational table on ETF vs Direct.

Why presets from 0.25% to 1.50%?

Those band across common Canadian Bitcoin ETF MERs cited on the ETF vs Direct page (and a lower US-listed reference). Type any MER you want to model.

Is 10% a prediction?

No. It is a starting assumption so you can see fee drag in dollars. Change it. Real Bitcoin returns swing hard year to year.

ETF vs Direct Tax Guide Tools hub