What is a fund's annual fee really costing you?

An annual fee is deducted every year, on the whole balance, whether the fund performs well or badly. Over decades that compounds. Enter your numbers to see the amount.

Amount investedYears heldExpected annual return, %Before fees. An assumption, not a forecast.Annual fee, %The ongoing charge — sometimes labelled TER or OCF.

Lost to fees

9,519

About 33% of everything the investment would have earned.

Without the fee

38,697

After the fee

29,178

A simplified comparison: one lump sum, a constant return, a constant fee, no tax and no further contributions. Real returns vary year to year. The point is not the exact figure — it is the size of the gap.

These tools are for education. They work from the numbers you type and cannot see your accounts, verify who owns an address, or account for your circumstances. Nothing here is financial advice.