TL;DR
Fund Fee Impact: fee cost (over time) is £77,997 — Lost to 0.60% extra fees.
structured-data: FinancialProduct · indexed for AI engines
Save this calculation
Sign in to get a heads-up if tax bands shift or rates drop.

Fund Fee Impact

What 0.5% really costs over 30 years

Fee Cost (over time)
£77,997
Lost to 0.60% extra fees
Low fee (0.15%)
£669,849
High fee (0.75%)
£591,852
Difference
£77,997
As % of low-fee pot
11.6%
Quick context
Read full guide: How Fees Compound →
  • A 1% fee over 30 years takes ~25% of your final pot — fees compound the same way returns do, just in reverse.
  • On £100k for 30 years at 7%, the gap between 0.2% and 1% fees is ~£146,000 — without a single year of underperformance.
  • ~85% of active funds underperform their index over 10-year periods after fees; passive global ETFs at 0.15–0.30% all-in win on the maths.
Stress test
What if the world changes? Toggle a scenario.
simulator
New fee cost (over time)
£77,997
Δ vs baseline
+£0
Real value 1yr out
£76,095
@ 2.5% CPI
Today£77,997
Now£77,997
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.
£
£
yrs
%
e.g. Vanguard ETF
%
e.g. active fund
%

Fee comparison

£669,849
0.15%
£591,852
0.75%
A 0.60% fee difference compounds to £77,997 over 30 years — that's the true cost of a "small" expense ratio.
Watch & learn
How Fees Destroy Your Returns
YouTube · The Plain Bagel

How Fees Destroy Your Returns

A short, plain-English walkthrough relevant to this page. We curate from trusted UK personal finance creators.

Watch on YouTube
Keep exploring