This calculator helps New Zealand investors understand the impact of brokerage and transaction fees on their share and fund investing, especially for smaller or frequent trades where fees can take a meaningful bite. You enter your trade size and the fee structure of your platform, and the tool shows the fee as a percentage of your investment and how it affects your break-even and returns. The breakdown shows the amount invested, the fees on buying and selling, and the net position, helping investors choose an appropriate trade size and platform, and understand why frequent small trades can be quietly expensive compared with investing larger amounts less often.
The break-even rise is how much the investment must gain just to cover buying and selling fees before any profit. Fee structures vary widely between platforms, so compare flat fees and percentage fees for your typical trade size. Estimate only, not financial advice.
The fee on a trade is the flat fee plus the percentage fee applied to the trade size. To complete a round trip you pay this on the way in and again on the way out, so the calculator doubles it to show the total buy and sell cost as a percentage of your trade. The break-even rise is that round-trip cost expressed as the gain needed just to cover fees. Multiplying the per-trade fee by your trades per year shows your annual fee bill.
A $1,000 trade with a $3 flat fee and a 0.5% fee costs $8 each way, so $16 to buy and sell, which is 1.6% of the trade. The investment must rise 1.6% just to break even. On a $5,000 trade the same fees would be far smaller as a percentage, which is why larger, less frequent trades are more fee-efficient.
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