The details behind the monthly fee.

Your banking routine, worked through.

The account fee is one part of the picture. Bring the activity you want to model, enter two sets of fee rules, and see how those assumptions add up over the same year.

Mitey looks down toward the details on a clipboard

Your assumptions · the same routine · one year · CAD

The little costs.
The whole year.

Put two sets of account rules beside the way you bank. These starting values are editable examples, not bank offers.

Scenario A · illustrated annual cost$384.40$29.95 each month + $25.00 once

Scenario B · illustrated annual cost$144.00$12.00 each month + $0.00 once

A minus B · the same year$240.40A positive difference means A costs more under these chosen assumptions.

1 Your monthly routine

The same routine is used in both scenarios and repeated for 12 months. Check each provider’s counting rules so you do not accidentally count activity twice.

Transactions

Use the transaction definition in the specific account agreement. A payment or transfer may count differently between products. This worksheet does not decide which activity is included or deduplicate transactions and eTransfers.

Your chosen count per month

eTransfers

Enter the eTransfers you want to model each month. Confirm how the provider counts them and whether they also use a transaction allowance; do not assume the categories are separate.

Your chosen count per month

Other-ATM withdrawals

Enter the monthly withdrawals for which you want to apply the chosen other-ATM fee. Own-bank, network and operator charges can differ. Only the fee you enter in each scenario is counted.

Your chosen count per month

2 Give each scenario its own fee rules.

Use the fee schedule for one named account at a time. Confirm any waiver independently; this worksheet does not infer one.

Scenario A

All fees below are your chosen CAD assumptions.

Monthly account fee

Enter the monthly fee you expect to pay, after any waiver you have independently confirmed. The worksheet never infers a waiver, eligibility, rebate or minimum-balance condition.

CAD per month

Included transactions

Enter the transaction allowance for this scenario. If confirmed terms cover all of your chosen routine, use an allowance that covers that count. A number such as 999 is treated literally, not as an unlimited flag.

Count covered each month

Extra transaction fee

This fee applies to max(0, monthly transactions minus included transactions). Enter zero only when you intend to model no extra charge; an unknown fee must not be treated as zero.

CAD per transaction over the allowance

Included eTransfers

Enter the eTransfer allowance you have chosen for this scenario. Check the account’s counting rules and exclusions. The worksheet does not establish transaction or payment limits.

Count covered each month

Extra eTransfer fee

This fee applies to max(0, monthly eTransfers minus included eTransfers). Check the current account agreement rather than inferring a fee from another product.

CAD per eTransfer over the allowance

Other-ATM fee

The entered fee is multiplied by your other-ATM withdrawal count. Additional bank, network, operator or foreign-exchange charges are included only if you have put them into this chosen fee.

CAD per chosen withdrawal

Paper statement fee

Enter the paper-statement charge you want to model each month. Enter zero if your chosen scenario has no paper charge. The worksheet does not assume electronic statements are free or decide which service you use.

CAD per month

Chosen one-off costs

Enter any one-time costs you want included. They are added once in the first month, then carried forward in the cumulative chart. No annual, closing, transfer or setup charge is added automatically.

CAD, added once in month 1

Scenario B

All fees below are your chosen CAD assumptions.

Monthly account fee

Enter the monthly fee you expect to pay, after any waiver you have independently confirmed. The worksheet never infers a waiver, eligibility, rebate or minimum-balance condition.

CAD per month

Included transactions

Count covered each month

Extra transaction fee

This fee applies to max(0, monthly transactions minus included transactions). Enter zero only when you intend to model no extra charge; an unknown fee must not be treated as zero.

CAD per transaction over the allowance

Included eTransfers

Enter the eTransfer allowance you have chosen for this scenario. Check the account’s counting rules and exclusions. The worksheet does not establish transaction or payment limits.

Count covered each month

Extra eTransfer fee

This fee applies to max(0, monthly eTransfers minus included eTransfers). Check the current account agreement rather than inferring a fee from another product.

CAD per eTransfer over the allowance

Other-ATM fee

The entered fee is multiplied by your other-ATM withdrawal count. Additional bank, network, operator or foreign-exchange charges are included only if you have put them into this chosen fee.

CAD per chosen withdrawal

Paper statement fee

CAD per month

Chosen one-off costs

Enter any one-time costs you want included. They are added once in the first month, then carried forward in the cumulative chart. No annual, closing, transfer or setup charge is added automatically.

CAD, added once in month 1

Your entered assumptions

Monthly routine: 20 transactions, 5 eTransfers and 2 other-ATM withdrawals. These same counts are used in both scenarios.

Chosen account rules · CAD fees and monthly included counts
Input	Scenario A	Scenario B
Monthly account fee	$8.95	$12.00
Included transactions	12	20
Extra transaction fee	$1.25	$1.25
Included eTransfers	2	5
Extra eTransfer fee	$1.00	$1.00
Other-ATM fee	$3.00	$0.00
Paper statement fee	$2.00	$0.00
Chosen one-off costs	$25.00	$0.00

3 Put the year in view.

Your chosen one-off costs enter in month 1. The recurring monthly costs are then added each month.

Cumulative illustrated cost

Scenario A Scenario B

Axis labels may be shortened. Inspect the month or open the table for exact CAD values.

Inspect month 12

Use the arrow keys, Home or End to move through the year.

A $384.40B $144.00

See every chart value

Exact cumulative CAD cost · chosen one-off costs enter in month 1
Month	Scenario A	Scenario B
1	$54.95	$12.00
2	$84.90	$24.00
3	$114.85	$36.00
4	$144.80	$48.00
5	$174.75	$60.00
6	$204.70	$72.00
7	$234.65	$84.00
8	$264.60	$96.00
9	$294.55	$108.00
10	$324.50	$120.00
11	$354.45	$132.00
12	$384.40	$144.00

Where the annual number comes from.

Keep the recurring charges and your chosen one-off costs separate. Nothing else is added automatically.

Entered assumptions applied to your chosen routine · CAD
Cost	A · monthly	B · monthly	A · 12 months	B · 12 months
Account fee	$8.95	$12.00	$107.40	$144.00
Transactions above the allowance	$10.00	$0.00	$120.00	$0.00
eTransfers above the allowance	$3.00	$0.00	$36.00	$0.00
Chosen other-ATM withdrawals	$6.00	$0.00	$72.00	$0.00
Paper statements	$2.00	$0.00	$24.00	$0.00
Recurring total	$29.95	$12.00	$359.40	$144.00
Chosen one-off costs · month 1	Added once	Added once	$25.00	$0.00
Complete one-year illustration	—	—	$384.40	$144.00

Scenario A has 8 transactions and 3 eTransfers above its entered allowances each month. Scenario B has 0 and 0, respectively.

Exact cumulative schedule

Exact cumulative CAD cost · chosen one-off costs enter in month 1
Month	Scenario A	Scenario B
1	$54.95	$12.00
2	$84.90	$24.00
3	$114.85	$36.00
4	$144.80	$48.00
5	$174.75	$60.00
6	$204.70	$72.00
7	$234.65	$84.00
8	$264.60	$96.00
9	$294.55	$108.00
10	$324.50	$120.00
11	$354.45	$132.00
12	$384.40	$144.00

The method and its limits

Monthly illustrated cost = entered account fee + max(0, transactions − included transactions) × extra-transaction fee + max(0, eTransfers − included eTransfers) × extra-eTransfer fee + other-ATM withdrawals × entered other-ATM fee + monthly paper-statement fee.

Annual illustrated cost = 12 × monthly illustrated cost + chosen one-off costs. One-off costs enter in month 1. The same routine, allowances and fees are assumed in every month.

The calculation uses integer CAD cents. There is no tax, interest, compounding, inferred fee waiver, current quote, eligibility decision or recommendation. Activity definitions, account limits, exemptions, rebates and timing can differ. ATM operator, network, foreign-exchange or other charges appear only if you have included them in your entered fees. Unknown information must be checked, rather than entered as zero.

Your inputs remain in this page’s temporary memory. Save is an explicit local-browser action; nothing is saved automatically. CSV and print are your choices. A calculator summary is shared with the MITEY team only if you separately choose it in an enquiry and review what will be sent.

Method and limits

12 × recurring monthly cost + chosen one-off costs. One-off costs enter in month 1. The entered routine repeats each month. Additional activity fees apply only above the entered allowances; other-ATM fees apply only to the chosen count. Integer CAD cents; no tax, interest, compounding, inferred waiver, current offer, eligibility or recommendation. Confirm counting rules, exclusions, limits and complete fees with the provider. This printout is an illustration of your entered assumptions.

Your banking routine, worked through.

The little costs.The whole year.

2 Give each scenario its own fee rules.

Your entered assumptions

3 Put the year in view.

Where the annual number comes from.

Exact cumulative schedule

Method and limits

The little costs.
The whole year.