Tools/Fee Comparison Calculator

Fee Comparison Calculator

Small percentage differences in custody, commission, and FX spread become large absolute sums over decades. Enter two brokers and see exactly what each one costs you.

Portfolio

Initial investment

Monthly contribution

Assumed annual return

Holding period

years

FX share of trades

FX share = portion of your trades that require currency conversion (e.g. buying USD-denominated ETFs from a GBP account).

Broker A

Name

Annual custody fee

% p.a.

Commission per trade

% of trade

FX spread

% per conversion

Broker B

Name

Annual custody fee

% p.a.

Commission per trade

% of trade

FX spread

% per conversion

Broker A

£291,109

Fees: £6,739

Broker B

£294,165

Fees: £4,634

Lower cost

After 20 years, Broker B leaves you with

£3,056 more

compared to Broker A

Year-by-year breakdown

Yr	Broker A value	Broker A fees	Broker B value	Broker B fees
1	£17,036	£83	£17,006	£111
5	£50,362	£516	£50,394	£477
10	£106,302	£1,624	£106,693	£1,277
15	£183,786	£3,589	£185,065	£2,595
20	£291,109	£6,739	£294,165	£4,634

Illustrative only. Assumes constant annual return, year-end fee deduction, and that all monthly contributions are traded once per year. Does not account for inflation, tax wrappers, or platform-specific fee caps.