A pot with your charges against the same pot at 0.2% a year.
What you enter: pot today · contributions a year · years · total charges % a year · growth % a year before charges.
Money Horizon › Calculators › Pensions
Cost of fees
What do my fees cost me?
Worked example
What do my fees cost me — an example
Inputs
- Pot today
- £250,000
- Contributions a year
- £6,000
- Years
- 25
- Total charges % a year
- 0.75%
- Growth % a year before charges
- 5%
Result
- Pot after 25 years at 0.75%
- £1,065,555
- The same pot at 0.2%
- £1,192,435
- Lost to the extra charges
- £126,880
- Charges actually paid
- £106,850
How it is worked out. Two projections of the same pot and contributions, differing only in the annual charge; the gap is the fees plus the growth they would have earned.
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Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.