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Your first-investment decision kit
Check readiness, compare account wrappers and calculate charges before choosing a provider.
Try it here
See the fees in pounds.
Compare two fee structures using the same starting balance and trading pattern. Use the decision kit to check readiness and account types before choosing a provider. For example, £25 a month adds £300 in contributions over a year, before fees, gains or losses.
Showing a fictional example. Replace the numbers with your own.
Account A · example fees
Account B · example fees
These figures stay in this page. Download them before leaving.
Make it useful in real life.
- 01
Use the readiness checklist to review bills, emergency savings, debt, time horizon and ability to accept losses.
- 02
Compare account wrappers and provider conditions in the worksheet. Use actual published fees.
- 03
Check charges, investment choice and risk together; the cheapest fee is not a personal recommendation.
How this tool works
- Estimated annual fee = constant balance × annual percentage charge + fixed annual charge + trade fee × paid trades.
- No growth, losses, deposits or withdrawals are modelled. Tiered pricing, fee caps, spreads, FX costs, exit fees and separate fund costs are excluded unless included in your inputs.
- Use the same fee scope for both accounts. A real provider may charge monthly or vary fees with the balance.
- The kit is educational. Investments can fall in value and returns are not guaranteed.