Fee impact calculator
Annual charges look small and compound large. Compare two total-cost levels on the same pot — teal is the lower-charge scenario, amber the higher — and see the gap in pounds.
Your numbers
Results
Illustration only. Charges are modelled as a simple drag on the annual return. Higher charges are not automatically bad — the question is always what you get for them.
Assumptions and method
- Each scenario compounds monthly at (growth − charge) ÷ 12; contributions added monthly.
- "Total charge" should include everything: platform fee + fund charges + any ongoing advice fee. Firms must disclose aggregated costs if you ask.
- No allowance for tax or inflation; returns are assumed smooth, which real returns never are.
Use this alongside what financial advice costs — it's the tool for converting "0.75% ongoing" into pounds over a decade before you sign anything.
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The UK Advice Fee Benchmark is a crowdsourced, anonymous dataset of what advice really costs — built from submissions like yours because most firms won't publish prices. It takes about a minute: no name, no email, just the numbers. Add your fee or quote →
Reminder: general education only — not advice, and not a suggestion that any particular product or fee level is right for you. For personal recommendations, consult an FCA-authorised adviser via our toolkit.