UK Platform Fee Calculator
Brokers use different pricing models—percentage fees vs fixed monthly fees. Discover exactly when it mathematically makes sense to switch providers as your portfolio grows.
| Platform | Annual Fee | Trading Costs | Total Yearly Cost |
|---|---|---|---|
| Vanguard UK | |||
| Interactive Investor | |||
| Hargreaves Lansdown |
The Verdict
Percentage vs Fixed Fees
A percentage fee sounds cheap when you're starting out. 0.45% of £10,000 is just £45 a year. However, as your wealth grows through compounding, that same 0.45% on a £250,000 portfolio costs you £1,125 every year.
Fixed-fee platforms like Interactive Investor charge a flat monthly rate regardless of how much money you have. While expensive for beginners, they become significantly cheaper for larger portfolios. The "crossover point" (where fixed fees become cheaper than percentage fees) is the most critical math any investor should know.