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InvestingCompare two portfolios — different fee percentages, same inputs. The calculator shows the compounded cost of fees over your horizon. For many investors this is the single biggest factor they can control.
Runs entirely in your browser — your numbers are never sent to a server.
A 1-1.5% fee sounds small. Over 30 years at 7% gross returns, it can shrink your final pot by 25-35%. That is years of extra working life.
Over 30 years at £300/month at 7% gross:
On average, no. Across decades of UK and global data, the majority of actively managed funds underperform their benchmark after fees. Some beat it, but you cannot reliably identify which in advance.
Platform/fund fees are what this calculator measures. If a 1% adviser fee prevents one costly behavioural mistake per decade, it may be worth it. If the adviser just puts you in high-fee funds, it is a double cost.
For Vanguard-only portfolios yes (platform fee 0.15%, fund 0.1-0.3%). But InvestEngine is 0% platform fee for ETFs and typically beats Vanguard overall.
Projections assume a fixed annual return — real markets do not return the same figure every year. Capital at risk. Past performance does not guarantee future results. General information only, not personalised financial advice.