Fund fees calculator
See what a 1% fee really costs you.
A fund’s annual charge looks tiny on a factsheet. Compounded over decades on the same pot and the same market return, it can quietly become one of the biggest numbers in the whole plan.
Your plan
What you’ve already got invested, if anything.
Fund fees, per year
Defaults to a typical low-cost index tracker.
After 20 years, you’d have
Same pot, same monthly contribution, same market return in both scenarios - only the fee is different.
The cost of the higher fee
That’s what a 0.85% fund costs you over 20 years, versus a 0.15% fund - the same pot, the same monthly top-up, the same 7% market return.
“Same contributions. Same market. The only difference between these two funds is what they charge you to hold it - and that difference compounds too.”
| Year | Cheap fund (0.15%) | Expensive fund (0.85%) |
|---|---|---|
| 0 | £10,000 | £10,000 |
| 1 | £13,184 | £13,101 |
| 2 | £16,593 | £16,399 |
| 3 | £20,242 | £19,905 |
| 4 | £24,150 | £23,634 |
| 5 | £28,334 | £27,597 |
| 6 | £32,814 | £31,812 |
| 7 | £37,610 | £36,294 |
| 8 | £42,746 | £41,058 |
| 9 | £48,244 | £46,125 |
| 10 | £54,132 | £51,512 |
| 11 | £60,435 | £57,239 |
| 12 | £67,184 | £63,329 |
| 13 | £74,411 | £69,804 |
| 14 | £82,148 | £76,689 |
| 15 | £90,432 | £84,010 |
| 16 | £99,301 | £91,793 |
| 17 | £108,798 | £100,069 |
| 18 | £118,966 | £108,869 |
| 19 | £129,853 | £118,225 |
| 20 | £141,509 | £128,173 |
How this works
Both funds are assumed to track the same market and grow at 7%a year before charges, compounded monthly, with contributions added at the end of each month. Each fund’s fee is modelled as a flat deduction from that growth rate (net return = gross return minus the fund’s annual fee) - a simplification real fund charges only approximate, since a real ongoing charges figure is deducted from fund assets continuously rather than netted off one annual rate. If a fee is higher than the assumed gross return, that fund’s net rate is floored at 0% rather than modelled as a loss. Fees shown are ongoing charges figure (OCF) style annual percentages; platform fees, transaction costs and stamp duty are not included. Real returns and real charges vary and are not guaranteed - this is an illustration of how fee drag behaves, not a promise. This is not financial advice. These are ideas to make you a little bit richer.
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