{"uid":"cap_6ATn1B_gF4_nxFy7pbEVu","slug":"fee-drag-calculator-3c598416","name":"Fee Drag Calculator","description":"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.","url":"https://heb-utils-x402.hebutils-api.workers.dev/fee-drag?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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"}}}}},"responseSchema":{"type":"json","example":{"total_fee_cost":6625.49,"final_with_fees":32071.35,"final_without_fees":38696.84}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.005","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.005/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ovX1ulOeFSKg2XCQ4nIsh","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.005","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the long-term cost of investment fees (fee drag) by comparing portfolio growth with and without annual fees over a given time horizon.","exampleAgentPrompt":"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?","exampleUseCases":[{"title":"Retirement savings fee impact","prompt":"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?"},{"title":"Comparing low-cost vs high-cost fund","prompt":"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?"},{"title":"Early career investor fee awareness","prompt":"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."}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T12:47:15.744Z","isFirstParty":false,"canonicalSlug":"fee-drag-calculator-3c598416"}