Project the growth of regular index-fund investing over time, with an option to subtract annual fees so you see the real, after-cost outcome. Low-cost index funds are a popular core for long-term UK investors.
Your investment
£
£
%
%
yrs
Projected value (after fees)
£231,796
Net return 6.70% after 0.3% fees
Total invested£90,000
Growth after fees£141,796
Final value£231,796
Lost to fees over the period£11,226
Even a fraction of a percent in fees compounds against you over decades. Hold funds in an ISA or pension to shelter the growth from tax. Returns aren’t guaranteed.
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Why fees matter so much
Index funds track a market (like the FTSE All-Share or a global index) at very low cost. Because returns compound, even a small annual fee compounds against you over decades. This calculator lets you enter an expected gross return and an annual fee, and applies the return net of that fee, so you can see how much charges quietly cost over 20-30 years.
Worked example
300/month for 25 years at 7% gross, 0.3% total fees gives net about 6.7%.
Total invested = 90,000.
Projected value about 216,000. At 1.2% fees instead, you would end with tens of thousands less.
Hold index funds inside an ISA or pension where possible to shelter the growth from tax. Past performance does not guarantee future returns, and values can fall as well as rise.
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Frequently asked questions
What return should I use?
There is no guaranteed figure. Many long-term investors model a global-equity return of around 5-7% a year before inflation, then stress-test with lower numbers. Always treat projections as illustrative.
What counts as fees?
Combine the fund's ongoing charge (OCF) and your platform/account fee. A typical low-cost global tracker plus platform might total around 0.3-0.5% a year.
Report a bug or ask a question about this calculator
Important: BrickCrunch provides general information and estimates only — this is not financial, tax, mortgage or legal advice. Calculations are simplified and your circumstances may differ. UK tax and rate figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change and errors are possible. Always confirm figures with gov.uk or a qualified professional before making decisions.
