It compounds growth and subtracts an annual percentage fee so you can compare fee drag over time. Returns are not guaranteed, and tax, platform charges and withdrawal rules are separate from the fee illustration.
INVESTMENT FEES
Investment fee impact calculator
Estimated fee impact
£95,718
- Lower-fee outcome
- £496,804
- Higher-fee outcome
- £401,086
Returns are assumptions, not forecasts. Values are nominal and exclude tax and inflation.
Compare how two annual fee levels can affect the long-term value of a portfolio once compounding is taken into account.
It compounds growth and subtracts an annual percentage fee so you can compare fee drag over time. Returns are not guaranteed, and tax, platform charges and withdrawal rules are separate from the fee illustration.
A small difference in annual fees can look harmless in year one but become far larger after a decade or more of compounding. That is why platform and fund fees deserve a direct comparison before you decide where to invest.
- Fees reduce the amount left to compound each year, so the long-term gap can become substantial.
- Returns are not guaranteed and the growth rate is only a scenario input.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 1 September 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
FCA: Investment fees ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Why do small fee differences matter?
Fees reduce the amount left to compound each year, so the long-term gap can become substantial.
Are returns guaranteed?
No. The growth rate is only a scenario input.
Does this include tax?
No. Tax, platform charges and withdrawal rules are separate from the fee illustration.