What investment fees cost you

How platform and fund charges eat into long-term returns.

Your details

Your result

Higher fees could cost you£37,932
Value after 25 years
With 0.2% fees£346,823
With 0.75% fees£308,891
You pay in£110,000
Growth after your fees£198,891
Assumptions and limits

Include both platform and fund charges (the ongoing charges figure). Returns are an assumption, not a forecast; investments can fall as well as rise. Fixed-fee platforms can be cheaper for larger pots.

Worked out with standard formulasTax year 2026/27

Common questions

What fees should I include?

Both the platform fee and each fund’s ongoing charges figure. Add trading fees if you buy and sell often.

Is a percentage or a fixed fee cheaper?

Percentage fees are often cheaper for smaller pots. Fixed fees usually win as your pot grows.

How we calculate

Every calculator uses the published 2026/27 rates from one shared set of rules, so when a rate changes, it changes everywhere.

Where rates come from

Tax, National Insurance, student loan, benefit and property tax rates come from GOV.UK. Each calculator links to its sources.

What we don’t cover

Scottish income tax bands, tax codes other than 1257L, benefits in kind and your personal circumstances. Results are estimates to help you plan, not a payslip or advice.