Total cost of ownership calculator
Charges, tracking drag and both spreads, compounded.
Interactive: total cost of ownershipEasy
Ongoing charges, tracking drag and both spreads, compounded over a holding period.
- Total annual drag
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- Both spreads cost
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- Ending value, after costs
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- Ending value, cost-free
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- What costs took
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- Share of the outcome
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Set the ongoing charge to 0.07% — a large index tracker — and then to 1.7% — an ordinary active retail fund — leaving everything else alone. The difference over 25 years is not a rounding error; on these defaults it is the difference between two materially different retirements. This is a mechanical illustration, not a recommendation of either product.
The idea behind it
This calculator belongs to Costs & Fees, where the mechanism it computes is explained step by step, with the formula, what each input means and where the simple model stops being right. Everything is computed in your browser; nothing you type is sent anywhere.
More calculators from Costs & Fees
- Spread & commission cost of trading — the hurdle turnover creates.
- Decomposing tracking difference — the only cost measure that catches everything.
- The drag nobody bills you for — the cost that never appears as a fee.