Terms & Conditions

Welcome to expenseratiocalculator.com (“we”, “us”, “our”). By accessing or using this site, you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use the site.

1) What this service is

Expense Ratio Calculator provides calculator tools and educational content that estimate the long-term impact of a fund’s expense ratio on investment growth. You can enter an initial amount, optional yearly contributions, an expected annual return, and the fund’s expense ratio to see an estimated future value (after fees) and the total fees paid over time.

• Supported currencies include common options such as PKR, USD, EUR, GBP, INR, AED, SAR, CAD, and AUD.
• The calculator simulates year-by-year compounding and applies the expense ratio annually to the evolving balance.
• Educational notes and FAQs help you understand how fees affect long-term outcomes.

Important: Outputs are estimates only. Real-world results vary. Brokerage fees, taxes, tracking difference, slippage, and other costs are not included unless explicitly stated. Nothing here is investment, legal, tax, or financial advice.

2) Your responsibilities

• Use the Expense Ratio Calculator tools lawfully and responsibly.
• Independently verify results before making any financial decision.
• Consult a licensed professional for personalized investment advice.
• Do not attempt to disrupt, scrape at scale, or reverse engineer the service.

3) Financial-advice disclaimer

We are not a broker, advisor, or fiduciary. The site provides general information and calculators for educational purposes only and should not be relied upon as investment advice.

4) Calculation assumptions & limitations

• Returns are modeled as compounded annually; expense ratio is applied after growth each year.
• Yearly contributions are added at the end of each modeled year.
• Inputs are user-provided; small changes can materially impact outcomes.
• We may update methods or defaults without notice to improve clarity or accuracy.

5) Intellectual property

The site’s design, text, and code are protected by copyright and other laws. You may not reproduce or redistribute significant portions without permission, except as allowed by applicable law.

6) Privacy

We describe what data we collect and how we use it in our Privacy Policy. By using the site, you consent to those practices.

7) No warranties

The site is provided “as is” and “as available.” We do not warrant that results will be accurate for your specific circumstances, or that the service will be uninterrupted, secure, or error-free.

8) Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from or relating to your use of the site.

9) Third-party services

We may link to third-party sites or use third-party providers (e.g., hosting, security, analytics). We are not responsible for third-party content, policies, or practices.

10) Changes to the service and terms

We may modify or discontinue any part of the site. We may update these Terms occasionally. If changes are material, we’ll take reasonable steps to notify you (e.g., posting a notice on the site). Continued use means you accept the updated Terms.

11) Governing law

These Terms are governed by the laws of Pakistan, without regard to conflict-of-laws rules. Venue and jurisdiction will be in courts located in Pakistan, unless applicable consumer law requires otherwise.

12) Contact

Questions about these Terms? Reach out via the contact page.