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Basis Points Calculator - Convert bps to %, Dollar Cost, and 30-Year Impact

​Convert basis points to percent and decimals, calculate the dollar cost of fund management fees, and see how those fees compound over 10, 20, and 30 years.
Updated 5 May 2026​
Basis points ('bps', or 'bips') is a finance industry term to measure interest rates and other percentages. Specifically:
  • One basis point (1bps) equals 1/100 of 1%, or 0.01%, or 0.0001
  • You may hear read that an investment fund has its fees charged in basis points - you can calculate the cost of these fees by multiplying the fund value with the bps (our calculator above shows the dollar cost).

How to use the Basis Points Calculator
The calculator works in three sections that update each other in real time:
  • Section 1: Convert any of three values: Type into the basis points, percent, or decimal field - the other two update automatically. The conversion is always: 1 bps = 0.01% = 0.0001.
  • Section 2: Calculate the dollar cost: Enter your fund or account value (such as your KiwiSaver balance, term deposit, or investment portfolio), and the calculator shows the annual fee in dollars. The basis points value flows automatically from Section 1.
  • Section 3: See the long-term impact: Enter your assumed annual return rate (most balanced/growth funds project around 5-8% per year long-term) and the calculator shows what the fee costs you over 10, 20, and 30 years compared to a fee-free version of the same fund. This is the section most fund managers don't want you to see.

Basis Points Calculator and Fee Tool

Convert between basis points, percentages, and decimals. Then see what a fund management fee costs you in dollars, and over decades.

1 Convert any of these three values
Type into any of the three fields and the others update automatically. 1 basis point = 0.01% = 0.0001 decimal.
2 Calculate the dollar cost of this fee
Fund or account value $
×
Fee in basis points 80 bps
=
Annual fee in dollars $400
A fund worth $50,000 charging 80 bps as an annual management fee will cost $400 per year, deducted from the fund value.
3 What this fee costs you over time
Compares your fund growing at this return rate, with and without the fee deducted.
10 years $7,111 Lost to fees
20 years $26,967 Lost to fees
30 years $76,730 Lost to fees
A 0.80% annual fee on $50,000 invested at 7% would cost $76,730 over 30 years, almost the size of the original investment. Even small fee differences compound into life-changing amounts over decades.

​What Are Basis Points (bps)?

Beyond fund fees, basis points are also used to measure a change in value. For example, a 1% change equals 100 basis points, and 0.01% equals 1 basis point. If you read that "the price has increased 50 basis points", it means the value of the security or asset has increased 0.50%.  

Basis points are expressed in the abbreviations "bp," "bps," or "bips."

The "basis" is a fraction of a percent, and basis points are most common when describing small movements in value or publishing the cost of investments. 

Basis Points vs Percentage Points vs Decimal Value

Basis Points
Percentage Points
Decimal Value
1
0.01%
​0.0001
5
0.05%
0.0005
10
0.1%
0.001
​50
0.5%
0.005
100
1%
​0.01
1000
10%
0.1
10000
​100%
1
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