Free — no signup, no account linking

Your 401(k) is probably
overcharging you.

Paste your fund lineup below and see exactly how much expense ratios are costing you each year — and which funds to swap to keep more of your money.

No data stored No account linking In-plan swap suggestions
Step 1
Paste your fund lineup
One fund per line — ticker, balance, and optionally the expense ratio % for CIT or unlisted funds.
Format — ticker  •  balance  •  ER % (optional, for CITs/unlisted)
FXAIX    42500
VBTLX    18000
SWISX     7200
MY-CIT   25000  0.48 Find tickers & balances on your provider’s site under “Investments.” For CITs or unknown funds, add the expense ratio % as a 3rd column — e.g. 0.48 means 0.48%.
We never store or transmit your data to third parties.
How it works
Three steps to fee clarity
No jargon. No sales pitch. Just the numbers your plan sponsor doesn’t highlight.
1
Paste your lineup
Copy tickers and balances from your provider’s site. No login needed on our end — ever.
2
We run the numbers
We look up each fund’s expense ratio and calculate the annual fee drag on your specific balance.
3
See what to swap
Get per-fund swap suggestions with the cheaper in-plan alternative, plus total fees saved by switching.
Why it matters
Small percentages, massive real money

The “1% fee” sounds tiny

A 1% expense ratio on a $100k balance is $1,000 this year alone. That compounds every year — over 20 years it can silently consume 18%+ of your ending balance.

Most plans have a better option

Most 401(k) menus include at least one low-cost index fund alongside pricier actively managed ones. A simple swap often costs nothing and saves hundreds per year.

Your provider won’t tell you

Expense ratios are buried in fund footnotes. Plan sponsors often select funds for record-keeping credits — not your best interest. ERISA requires disclosure, not clarity.

We have no upsell

No account linking, no sales calls, no subscription. We show you the math and point to lower-cost alternatives. What you do with it is entirely up to you.