Add the whole fee
Combine the charges that genuinely apply: platform, fund, advice and regular dealing costs. Keep one-off spreads or exit costs separate if they cannot be expressed as an annual percentage.
Free private illustration
How much could an annual fee difference cost?
Compare two all-in fee assumptions over the same period. The result isolates compounding fee drag; it does not predict investment performance.
Change every assumption
Illustrated fee difference
£12,816
more in Option A if all assumptions hold
- Contributed
- £97,000
- Option A at 0.22%
- £182,441
- Option B at 0.75%
- £169,625
Illustration only. It assumes a smooth annual return after the fee entered. Real returns vary, can be negative, and platform, fund, dealing, spread and advice costs may need adding together.
Compare like with like
A cheaper investment is not automatically suitable. Compare the same account type, exposure, service and trading pattern before treating cost as the deciding factor.
Need to turn a live tariff into an annual pound cost first? Use the flat-fee vs percentage-fee calculator. Then model contributions and compound growth, compare ETFs with index funds, or check the complete platform comparison process.