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Fee Drag Calculator
x402
Fee Drag Calculator is a paid API for AI agents from heb-utils-x402.hebutils-api.workers.dev, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-11).
Calculates the long-term cost of investment fees (fee drag) by comparing portfolio growth with and without annual fees over a given time horizon.
Price / call$0.005
Success—
StatusUnknown
How this service works
Pay-per-call utility APIs in USDC on Base: Hebrew calendar and text tools, Shabbat times, Base token control-risk screen and address summary, plus finance arithmetic tools. General information and arithmetic only; not investment, tax or legal advice and not a recommendation to buy, sell or hold anything.
Output
Returns a JSON object with three values: total_fee_cost (the cumulative dollar amount lost to fees), final_with_fees (the portfolio's ending value after fees), and final_without_fees (what the portfolio would have grown to without any fees). All figures are in USD.
Example use cases
Retirement savings fee impact
“I have $50,000 in a 401k that earns 7% annually and I add $5,000 a year. How much will a 1% management fee cost me over 25 years?”
Comparing low-cost vs high-cost fund
“If I start with $10,000 and get a 8% annual return over 20 years with no additional contributions, what's the total cost difference between a 0.05% fee fund and a 1.2% fee fund?”
Early career investor fee awareness
“I'm 25, putting in $15,000 now and adding $3,000 per year. Show me how much a 0.5% annual fee eats into my returns assuming 6% growth over 40 years.”
Technical details
Endpoint
GEThttps://heb-utils-x402.hebutils-api.workers.dev/fee-drag?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, pay-per-call arithmetic projection of investment fee drag without setting up your own financial modeling. Ideal for agents answering personal finance questions about the true long-term cost of expense ratios, advisory fees, or fund management fees. Not suitable for tax-adjusted projections, risk analysis, or investment recommendations.
Side effects
- Missing required query parameters (amount, years, annual_return_pct, annual_fee_pct) returns an error
- Non-numeric or negative values for financial inputs may cause unexpected results or errors
- Payment not completed (x402 flow not fulfilled) results in 402 Payment Required response
- Extremely large numbers or zero-division edge cases (e.g. 0% return with 0% fee) may produce degenerate outputs
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"total_fee_cost": 6625.49,
"final_with_fees": 32071.35,
"final_without_fees": 38696.84
}
}Tags
x402
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