What the 0,75% fund actually costs you

A fee does two things. It takes money, and it stops that money earning anything afterwards. The second is invisible on a statement.

Handed to the provider: €44.382
Growth those fees never earned: €45.029

Over 30 years, 50% of the damage is the compounding you never got rather than the charge itself. That share is set by the horizon, not by the fee — it is around an eighth at five years and two thirds at fifty.

The gap between the two funds is not something you can see early on. That is the whole problem with judging a fee by how small it looks.

Growth€381.438
What you paid in€190.000

How this is worked out

Returns compound monthly and contributions are added at the end of each month, which is how a monthly savings plan actually executes.
The return you enter is applied evenly to every year. Real markets do not do this. A portfolio that averages 7% can spend years underwater on the way, and the order those years arrive in changes what you end up with — this model cannot show that.
Nothing here accounts for tax. Withholding tax on dividends, capital gains tax and any wealth tax depend on your country of residence and your fund's domicile.
Trading commissions, currency conversion costs and bid-ask spreads are not included — only the ongoing percentage cost you enter.
Both funds are assumed to track the same index equally well. In practice a fund's tracking difference — how far its return lands from the index after all costs — is the truer measure, and it already contains the TER.

This is an illustration, not a forecast, and not financial advice. Your capital is at risk when invested.

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What the 0,75% fund actually costs you