Fee Transparency Calculator
See the true cost of advice — FCA Consumer Duty compliant. Understand year-by-year fee impact and compare portfolio outcomes with and without professional advice.
Fee Transparency Calculator
Adjust fees to see the impact on your client's portfolio
Year 1 Breakdown
| Initial Advice Fee | £4,500 |
| Ongoing Adviser Fee | £1,875 |
| VAT on Adviser Fee | £375 |
| Platform Fee | £625 |
| Fund OCF | £1,250 |
| Transaction Costs | £250 |
| Total Year 1 | £8,875 |
Cumulative Costs
1 Year
£8,875
3.5% of AUM
3 Years
£17,625
7.0% of AUM
5 Years
£26,375
10.5% of AUM
10 Years
£48,250
19.3% of AUM
Portfolio Value After 10 Years
With Advice
£338,028
Professional portfolio management
Without Advice
£357,794
Self-managed (est. 0.5% lower return)
Assumes 5% gross annual return. Without-advice scenario assumes 0.5% annual underperformance. For illustration only.
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Who This Fee Calculator Is For
- Advisers preparing clear fee-disclosure conversations with clients.
- Compliance and Consumer Duty evidence for cost transparency checks.
- Prospective clients comparing advised and non-advised value paths.
- Firms standardising how charges are explained before recommendation sign-off.
How To Use This Financial Advice Fee Calculator
- Set portfolio value (AUM) to match a client scenario.
- Adjust initial and ongoing advice fees plus platform and fund charges.
- Toggle VAT to reflect fee treatment assumptions.
- Review year-one fee stack and cumulative long-term cost impact.
- Use value comparison to explain total-cost versus potential advice value outcomes.
Frequently Asked Questions
What does this fee calculator include?
It includes initial advice fee, ongoing adviser fee, VAT on adviser fees, platform fee, fund OCF, and transaction costs.
Why does cumulative cost matter?
Cumulative cost shows how fees compound over time and helps clients understand long-term impact, not just year-one charges.
How does this support Consumer Duty?
The tool helps present charges in a clear, structured way so firms can evidence transparent communication and fair-value discussions.
What is the with-advice vs without-advice comparison?
It models a simplified long-term value comparison using an assumed return differential to illustrate potential net value outcomes.
Are these fee outputs exact quotes?
No. They are illustrative planning figures. Actual fees and investment outcomes depend on provider terms and client circumstances.
Is this tool personal financial advice?
No. This calculator is for education and disclosure support only and is not a personal recommendation.
Generate branded fee disclosures for your clients
Plannetic automatically generates Consumer Duty compliant fee disclosures with your firm's branding, ready to share with clients.