Tools
Calculators for the costs of investing.
Three tools for the charges that sit outside a fund's headline fee: broker costs, dividend leakage and currency conversion. Enter your own figures and see the effect over your full holding period.
3 calculators · 21 inputs you control · runs up to 40 years
Calculators
3
Inputs you control
21
Longest run
40 years
Ground rules
Real inputs, not averages. Every figure comes from a published fee schedule, checked on the date shown.
Compounding, not snapshots. Each tool runs the full holding period and shows the year-by-year path.
FX is never free. Conversion cost is a separate, visible line, never folded into the headline.
Nothing you enter is stored or sent anywhere. The maths runs in your browser.
How we check fees →01 · COSTS
Fee Comparison Calculator
What does my broker really cost me over 20 years?
A custody fee of 0.45% reads like a rounding error. Charged on a growing balance for two decades it is the single largest cost most long-term investors pay, larger than the fund's own fee, and invisible on any statement. This calculator puts two brokers side by side and follows the money year by year.
£18,680
difference between two typical brokers after 20 years, on the default inputs
You'll need
Starting balance and monthly contribution
Expected return and holding period
Each broker's custody, commission and FX spread
Share of trades that need a conversion
You'll get
End value at each broker
Total fees paid, year by year
Which broker leaves you with more
9 inputs · about 2 minutes
Ground rules
Real inputs, not averages. Every figure comes from a published fee schedule, checked on the date shown.
Compounding, not snapshots. Each tool runs the full holding period and shows the year-by-year path.
FX is never free. Conversion cost is a separate, visible line, never folded into the headline.
Nothing you enter is stored or sent anywhere. The maths runs in your browser.
How we check fees →