Small fees compound into massive losses over time. UK pension holders lose an average of £27,000 by retirement because they don't understand the real impact. Find out yours in under 2 minutes.
1
Primary Pension Pot
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Contribution %
Annual Salary
Total monthly incl. employer. Tax relief assumed included.
Fee Structure✓ Auto-filled
Annual Management Charge
Fund Fee
Contribution Charge
⚠ Some employer pensions negotiate different rates. Check your pension portal for exact figures if you want a more precise calculation.
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Growth rate
9.1%/yr — 20-year historical average for a 70/30 portfolio
Contributions
Increase 2.5%/yr to reflect pay rises
Inflation
2.5%/yr — values shown in today's money
Tax relief
Assumed included in your contribution
Retirement age
67 (adjustable in assumptions panel)
State pension
Not included in these projections
Annual Growth Rate9.1%
Retirement Age67
Your Effective Annual Cost
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Combined annual impact on your pension
Calculations use FCA-approved formulae
Lifetime Cost Projection
10-Year Fee Cost
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Potential savings available
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How it works
Three simple steps to understand your true fee impact
1
Enter Your Details
Tell us about your current pension pot, provider, and contributions. Add multiple pots if you have them.
2
See Real Impact
Our calculator shows exactly how much your fees will reduce your final pension pot by retirement.
3
Compare & Save
Get personalised recommendations for lower-cost alternatives and see how much more you could have in retirement.
Frequently Asked Questions
Everything you need to know about pension fee impact
Our projections use a 9.1% annual growth rate (20-year historical average for a 70/30 portfolio), 2.5% annual contribution growth, and model all fee types separately. They are illustrative — your actual returns will vary. Provider fee data is sourced from IGC reports and DWP surveys.
Yes. You can add up to 2 additional old pension pots. Their values are combined with your main pot for projection purposes, giving you a consolidated view of your total retirement savings and fees.
You'll see a full comparison table showing your current provider alongside all other providers in our database, with every fee type broken out separately so you can see exactly where the differences come from.
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Best potential saving by switching
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vs staying with your current provider
Projected pot
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at retirement
Total fees
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by retirement
Annual drag
—
total %/yr
Years to go
—
to retirement
How your fees break down
All charges for your current provider as entered. Charges compound — small differences matter greatly over decades.
Full comparison — fees broken out
Sorted by saving vs your current provider. Growth at 9.1%/yr with 2.5% annual contribution uplift.
Provider
AMC
Fees by retirement
Projected pot
Saving vs current
Trustpilot
App
Funds
AMC drag
Flat fees
Contrib. charge
Total fees
ℹ
Illustrative only. Projections assume 9.1% annual growth with 2.5% annual contribution increases. Always consult a regulated financial adviser before switching. Past performance is not a guide to future returns.