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Compare modelled investment balances under different recurring fee assumptions, with contribution, return and inflation inputs visible.
1–100 whole years.
-100% to 100% per year.
0–10% per year.
0–10% per year.
Show values in today’s pounds
Balances after 30 years are shown in nominal pounds. The comparison changes only the annual fee input; investment exposure and all other assumptions stay the same. A positive comparison-fee difference means the model leaves a higher balance at the entered comparison fee.
The difference is a modelled outcome, not a guaranteed saving or recommendation to switch.
The share link includes your investment amounts and assumptions in an unencrypted URL.
Same investment inputs and assumed growth; amounts are nominal.
| Year | No fee | At 0.75% fee |
|---|---|---|
| Now | £10,000 | £10,000 |
| Year 1 | £16,925 | £16,820 |
| Year 2 | £24,335 | £24,062 |
| Year 3 | £32,264 | £31,754 |
| Year 4 | £40,747 | £39,922 |
| Year 5 | £49,825 | £48,597 |
| Year 6 | £59,538 | £57,810 |
| Year 7 | £69,930 | £67,594 |
| Year 8 | £81,051 | £77,985 |
| Year 9 | £92,949 | £89,020 |
| Year 10 | £105,681 | £100,739 |
| Year 11 | £119,304 | £113,184 |
| Year 12 | £133,880 | £126,402 |
| Year 13 | £149,477 | £140,439 |
| Year 14 | £166,165 | £155,346 |
| Year 15 | £184,022 | £171,177 |
| Year 16 | £203,129 | £187,990 |
| Year 17 | £223,573 | £205,846 |
| Year 18 | £245,448 | £224,809 |
| Year 19 | £268,855 | £244,947 |
| Year 20 | £293,900 | £266,334 |
| Year 21 | £320,698 | £289,047 |
| Year 22 | £349,372 | £313,168 |
| Year 23 | £380,053 | £338,785 |
| Year 24 | £412,882 | £365,990 |
| Year 25 | £448,009 | £394,882 |
| Year 26 | £485,595 | £425,566 |
| Year 27 | £525,812 | £458,151 |
| Year 28 | £568,843 | £492,758 |
| Year 29 | £614,888 | £529,510 |
| Year 30 | £664,155 | £568,540 |
Each bar measures the same projected account balance at a different annual fee assumption.
| Annual fee assumption | Ending value |
|---|---|
| No fee | £664,155 |
| Current 0.75% | £568,540 |
| Target 0.22% | £634,312 |
Re-runs the same model at named fee rates. The signed gap is target fee balance minus the selected 0.75% balance; rates are what-if values, not product offers.
| Annual fee | Ending value | Difference from current fee |
|---|---|---|
| 0% fee | £664,155 | +£95,615 |
| 0.22% fee | £634,312 | +£65,772 |
| 0.75% fee | £568,540 | £0 |
| 1.25% fee | £513,635 | −£54,905 |
| Year | No fee | With selected fee | Fee this year | Cumulative fees |
|---|---|---|---|---|
| Year 1 | £16,925 | £16,820 | £103 | £103 |
| Year 2 | £24,335 | £24,062 | £155 | £258 |
| Year 3 | £32,264 | £31,754 | £212 | £470 |
| Year 4 | £40,747 | £39,922 | £271 | £741 |
| Year 5 | £49,825 | £48,597 | £335 | £1,076 |
| Year 6 | £59,538 | £57,810 | £402 | £1,478 |
| Year 7 | £69,930 | £67,594 | £473 | £1,951 |
| Year 8 | £81,051 | £77,985 | £549 | £2,500 |
| Year 9 | £92,949 | £89,020 | £630 | £3,130 |
| Year 10 | £105,681 | £100,739 | £715 | £3,845 |
| Year 11 | £119,304 | £113,184 | £806 | £4,651 |
| Year 12 | £133,880 | £126,402 | £903 | £5,554 |
| Year 13 | £149,477 | £140,439 | £1,005 | £6,559 |
| Year 14 | £166,165 | £155,346 | £1,114 | £7,673 |
| Year 15 | £184,022 | £171,177 | £1,230 | £8,903 |
| Year 16 | £203,129 | £187,990 | £1,352 | £10,255 |
| Year 17 | £223,573 | £205,846 | £1,483 | £11,738 |
| Year 18 | £245,448 | £224,809 | £1,621 | £13,359 |
| Year 19 | £268,855 | £244,947 | £1,768 | £15,127 |
| Year 20 | £293,900 | £266,334 | £1,924 | £17,051 |
| Year 21 | £320,698 | £289,047 | £2,090 | £19,141 |
| Year 22 | £349,372 | £313,168 | £2,266 | £21,407 |
| Year 23 | £380,053 | £338,785 | £2,453 | £23,860 |
| Year 24 | £412,882 | £365,990 | £2,652 | £26,512 |
| Year 25 | £448,009 | £394,882 | £2,863 | £29,375 |
| Year 26 | £485,595 | £425,566 | £3,087 | £32,462 |
| Year 27 | £525,812 | £458,151 | £3,325 | £35,787 |
| Year 28 | £568,843 | £492,758 | £3,578 | £39,365 |
| Year 29 | £614,888 | £529,510 | £3,846 | £43,211 |
| Year 30 | £664,155 | £568,540 | £4,131 | £47,342 |
Check the current fund and platform documents for recurring and transaction costs, then compare like-for-like holdings and services. This calculation does not identify a product, recommend a switch or include tax-wrapper effects.
General fee-compounding illustration; no tax-year rules are used.
Compare investment balance scenarios under two recurring annual-fee assumptions using the same opening amount, contributions, growth input and horizon.
The model applies the same opening investment, month-start contributions, effective annual growth assumption and horizon to each fee rate. It converts annual growth to an equivalent monthly rate and deducts one-twelfth of each annual fee after monthly growth.
The comparison fee is a what-if input, not a quote or recommendation. The optional today’s-pounds view deflates projected balances and fee amounts using the entered constant inflation assumption; it does not alter the assumed return or fee rate.
This illustration excludes tax, dealing costs, bid-offer spreads, one-off charges and differences in investments, services or provider billing conventions. Check current fund and platform documents before comparing actual products.
These FCA and The Pensions Regulator resources explain investment charges, disclosure and the limited scope of workplace pension charge controls. The calculator is a simplified fee-drag scenario, not a fund or platform recommendation.