Fees are one of the few things you can control as an investor. Use this calculator to see how much your current charges could cost you over time, compared with fee-only advice at a flat 0.5% a year. It takes about a minute, and you don’t need to give us any details.
Enter your figures to see what your charges could cost you.
- Total charges paid – current
- £0
- Total charges paid – fee-only
- £0
Want to know exactly what your plan costs – including exit penalties – and what your options are?
Get a free review of my planIllustration only, not a forecast or personal advice. Both projections use the same growth rate before charges, with charges taken each year from the value of your investments. It ignores tax, currency movements, early-exit penalties and one-off charges, and investment values can fall as well as rise. Your own figures will differ.
How to find your real charges
The figure that matters is your total yearly cost: what you pay your adviser, the platform or bond provider, and the funds themselves. You can usually find it in:
- your annual statement or “costs and charges” summary, which should show charges in money and as a percentage
- the key information document for each fund, which shows its ongoing charges figure (OCF)
- your original policy or plan documents, for offshore bonds and savings plans
Offshore bonds and savings plans sold through commission-based advisers often carry establishment charges for the first five to ten years, plus penalties if you leave early. Those charges are easy to miss on a statement, so if you’re not sure what you’re paying, we can work it out for you as part of a free review.
Why a 1% difference matters
Charges are taken every year from the whole value of your investments, including the growth you have already built up. That means the gap between a higher-charging and a lower-charging plan widens every year: a 1% difference on £200,000 can come to tens of thousands of pounds over 15 to 20 years, even when both plans earn exactly the same return before charges.
How our fees work
- A free initial assessment, with no obligation
- A flat advice fee of 0.5% a year
- No commission from product providers
- Platform and fund costs are paid to the provider and shown in your plan before you decide
Read more about our fee structure, or how we approach expat investment advice.
Questions about the calculator
Where do I find my total charges?
Look for the “costs and charges” section of your annual statement, which should add up adviser, platform and fund charges. If you hold an offshore bond, check your policy documents for establishment and administration charges too, or ask us to work it out for you.
Are the example charges accurate for my plan?
No. The figures for each type of plan are examples only, to get you started. Charges vary widely between providers and plans, so enter your own total for a meaningful result.
What growth rate does the calculator use?
It assumes 5% a year before charges for both options, which you can change under “Change the assumptions”. The growth rate affects both results equally – the difference comes from the charges.
Is 0.5% the only cost if I work with you?
No. Our advice fee is a flat 0.5% a year. You also pay platform and fund costs to the providers, which depend on what is chosen for you. The calculator uses an estimate of 0.5% for these, and your plan shows the exact figures before you decide anything.
Does the calculator include tax or exit penalties?
No. It ignores tax, currency movements, one-off charges and early-exit penalties. If you are thinking about moving out of an existing plan, the exit penalties and tax position can change the answer, so get advice before you make any changes.
More free tools: inheritance tax calculator, UK inheritance tax exit checker, country comparison, money health check, frozen State Pension calculator, statutory residence test calculator. See them all on our free tools page.
Reviewed by Henry Temple-Baxter, CISI Level 4 qualified · Last updated 10 October 2026. This page is general information, not personal advice.