# Fee Drag Calculator

> 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.

## Facts

- Endpoint: GET https://heb-utils-x402.hebutils-api.workers.dev/fee-drag?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fee-drag-calculator-3c598416
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6ATn1B_gF4_nxFy7pbEVu

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability fee-drag-calculator-3c598416
```

Example prompt: How much will a 0.75% annual fee cost me if I invest $25,000 today with a 7% annual return over 30 years, contributing $2,000 a year?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "amount",
      "years",
      "annual_return_pct",
      "annual_fee_pct"
     ],
     "properties": {
      "years": {
       "type": "string"
      },
      "amount": {
       "type": "string"
      },
      "annual_fee_pct": {
       "type": "string"
      },
      "annual_return_pct": {
       "type": "string"
      },
      "annual_contribution": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "total_fee_cost": 6625.49,
  "final_with_fees": 32071.35,
  "final_without_fees": 38696.84
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fee-drag-calculator-3c598416/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from heb-utils-x402.hebutils-api.workers.dev](https://www.zero.xyz/host/heb-utils-x402.hebutils-api.workers.dev/llms.txt)