Option A
£225.00
estimated total for one year
- Platform/account
- £125.00
- Fund or ETF
- £100.00
- Dealing
- £0.00
- Other recurring
- £0.00
Free · private · UK fee worksheet
Flat fee vs percentage platform fee calculator
Compare two platform tariffs using your balance, expected trades, fixed fees, percentage minimums or caps and investment charges. Every assumption is visible and editable.
Use the figures from each tariff
Compare two fee structures
This is a one-year cost snapshot at a fixed balance. It does not model investment returns or recommend either option.
Your entered figures
One-year cost comparison
Option B is £5.00 lower for this snapshot.
Option B
£220.00
estimated total for one year
- Platform/account
- £120.00
- Fund or ETF
- £100.00
- Dealing
- £0.00
- Other recurring
- £0.00
Your figures stay in your browser and are not included in analytics. The estimate excludes bid-offer spreads, foreign-exchange charges, tax, advice fees, foregone cash interest, transfer costs and market movements unless you add a recurring amount above.
Step 1
Match the account and assets
Compare the same account type and the charges for the investments you would actually hold. A platform can price funds, shares and ETFs differently.
Step 2
Add activity-based costs
Use a realistic number of trades and add recurring extras. Telephone dealing, foreign exchange and transfer charges may sit outside the headline platform fee.
Step 3
Verify the live tariff
Fees and terms change. Confirm the current provider tariff and check the firm and permissions on the FCA Register before making a decision.
What the regulator highlights
Compare the total cost, not one headline number
The FCA says main platform and fund fees are generally identifiable, while activity-based costs such as telephone dealing and foreign exchange can be harder to locate. Its guidance tells firms to make costs easy to find and compare.
Read the FCA platform-cost guidance →Common questions
Platform fee calculator FAQs
Is a flat platform fee always cheaper for a large portfolio?
Not automatically. The answer depends on the balance, the assets held, account fees, percentage caps, trading pattern and any charges that apply only to particular investments or account types.
What should I enter as the platform percentage fee?
Use the current annual percentage from the provider tariff for your account type and holdings. If the percentage charge has a cash minimum or cap, enter those separately rather than changing the percentage.
Should fund and ETF charges be included?
Yes, if you want a broader ongoing-cost comparison. Enter the ongoing fund or ETF charge for each option. The same investment charge may apply on both platforms, but it is useful to show it explicitly.
Does this calculator include investment growth?
No. It is deliberately a one-year snapshot at the balance entered. Use the separate investment fee calculator to illustrate how two all-in percentage fees could compound over a longer period.
Can I use the result to choose an investment platform?
The result is a cost comparison, not a recommendation. Check product range, account type, service, protection, access and the full live tariff, and confirm a firm on the FCA Register before acting.
Continue with the current Vanguard vs Hargreaves Lansdown fee comparison, use the long-term fee-drag calculator, read how UK platform fees work, or follow the complete platform-comparison checklist.