{"id":560,"date":"2026-07-27T11:54:37","date_gmt":"2026-07-27T11:54:37","guid":{"rendered":"https:\/\/avexai.io\/blog\/?page_id=560"},"modified":"2026-07-27T11:54:38","modified_gmt":"2026-07-27T11:54:38","slug":"platform-fee-calculator-uk","status":"publish","type":"page","link":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/","title":{"rendered":"UK Platform Fee Calculator: % vs Flat Fee"},"content":{"rendered":"\n<style>body.page-id-560 main{max-width:800px;margin-left:auto;margin-right:auto;padding:0 24px;box-sizing:border-box}<\/style>\n\n<div class=\"avex-quick-answer\">\n  <div class=\"qa-label\">Quick answer<\/div>\n  <p><strong>A percentage platform fee grows with your portfolio; a flat fee doesn&#8217;t.<\/strong> That&#8217;s the whole game: on small pots, percentage fees are usually cheaper \u2014 past a certain size, a flat fee wins by thousands. Enter your numbers below and see the 20-year difference, compounding included. Everything runs in your browser; nothing is uploaded.<\/p>\n<\/div>\n\n\n<div class=\"avex-w-fee\">\r\n  <style>\r\n    .avex-w-fee { --o:#ea580c; --o2:#f97316; --od:#c2410c; --n:#0a2540; --pb:#fed7aa; --pl:#fffbf7; --pbg:#fff4e6; font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif; line-height:1.6; margin:28px 0; }\r\n    .avex-w-fee * { box-sizing:border-box; margin:0; padding:0; }\r\n    .avex-w-fee .c { background:#fff; border:1px solid var(--pb); border-radius:20px; box-shadow:0 20px 50px rgba(234,88,12,.10); overflow:hidden; max-width:880px; margin:0 auto; }\r\n    .avex-w-fee .g { display:grid; grid-template-columns:1fr 1.1fr; }\r\n    .avex-w-fee .in { padding:34px; border-right:1px solid #f5e6d3; }\r\n    .avex-w-fee .in h2 { font-size:19px; font-weight:700; color:var(--n); margin-bottom:4px; }\r\n    .avex-w-fee .hint { font-size:13.5px; color:#555; margin-bottom:22px; }\r\n    .avex-w-fee .f { margin-bottom:16px; }\r\n    .avex-w-fee .f label { display:block; font-size:13.5px; font-weight:600; color:var(--n); margin-bottom:6px; }\r\n    .avex-w-fee .f input { width:100%; padding:11px 14px; font-size:16px; font-family:inherit; font-weight:600; color:var(--n); border:1.5px solid var(--pb); border-radius:9px; background:var(--pl); }\r\n    .avex-w-fee .f input:focus { outline:none; border-color:var(--o); background:#fff; box-shadow:0 0 0 3px rgba(234,88,12,.1); }\r\n    .avex-w-fee .duo { display:grid; grid-template-columns:1fr 1fr; gap:12px; }\r\n    .avex-w-fee .plat { font-size:12px; font-weight:800; text-transform:uppercase; letter-spacing:.06em; color:var(--od); margin:18px 0 8px; }\r\n    .avex-w-fee .res { padding:34px; background:var(--n); color:#fff; display:flex; flex-direction:column; justify-content:center; }\r\n    .avex-w-fee .rl { font-size:12px; font-weight:600; text-transform:uppercase; letter-spacing:.09em; color:#94a3b8; margin-bottom:8px; }\r\n    .avex-w-fee .big { font-size:44px; font-weight:800; letter-spacing:-.03em; line-height:1.05; color:#fff; }\r\n    .avex-w-fee .sub { font-size:14px; color:#cbd5e1; margin-top:10px; }\r\n    .avex-w-fee .brk { margin-top:20px; padding-top:16px; border-top:1px solid rgba(255,255,255,.12); }\r\n    .avex-w-fee .r { display:flex; justify-content:space-between; font-size:13.5px; margin-bottom:8px; gap:12px; }\r\n    .avex-w-fee .r .k { color:#94a3b8; }\r\n    .avex-w-fee .r .v { color:#fff; font-weight:600; text-align:right; }\r\n    .avex-w-fee .cta { padding:22px 34px; background:var(--pbg); border-top:1px solid var(--pb); display:flex; align-items:center; justify-content:space-between; gap:18px; flex-wrap:wrap; }\r\n    .avex-w-fee .cta .t { font-size:14.5px; color:var(--n); font-weight:600; }\r\n    .avex-w-fee .cta .t span { display:block; font-weight:400; color:#555; font-size:13px; }\r\n    .avex-w-fee .btn { display:inline-block; background:var(--o); color:#fff !important; font-weight:600; font-size:14.5px; padding:11px 22px; border-radius:8px; text-decoration:none; box-shadow:0 4px 14px rgba(234,88,12,.25); }\r\n    .avex-w-fee .btn:hover { background:var(--od); }\r\n    .avex-w-fee .note { text-align:center; font-size:12px; color:#888; font-style:italic; max-width:680px; margin:12px auto 0; }\r\n    @media (max-width:820px){ .avex-w-fee .g { grid-template-columns:1fr; } .avex-w-fee .in { border-right:none; border-bottom:1px solid #f5e6d3; } }\r\n  <\/style>\r\n  <div class=\"c\">\r\n    <div class=\"g\">\r\n      <div class=\"in\">\r\n        <h2>Your investing setup<\/h2>\r\n        <div class=\"hint\">Compare a percentage platform fee with a flat annual fee. Growth is entered before fees.<\/div>\r\n        <div class=\"duo\">\r\n          <div class=\"f\"><label for=\"fd-val\">Portfolio today (\u00a3)<\/label><input id=\"fd-val\" type=\"number\" value=\"100000\" min=\"0\" inputmode=\"decimal\"><\/div>\r\n          <div class=\"f\"><label for=\"fd-contrib\">Added per year (\u00a3)<\/label><input id=\"fd-contrib\" type=\"number\" value=\"10000\" min=\"0\" inputmode=\"decimal\"><\/div>\r\n        <\/div>\r\n        <div class=\"duo\">\r\n          <div class=\"f\"><label for=\"fd-years\">Years<\/label><input id=\"fd-years\" type=\"number\" value=\"20\" min=\"1\" max=\"50\" inputmode=\"numeric\"><\/div>\r\n          <div class=\"f\"><label for=\"fd-ret\">Growth %\/yr<\/label><input id=\"fd-ret\" type=\"number\" value=\"6\" step=\"0.1\" inputmode=\"decimal\"><\/div>\r\n        <\/div>\r\n        <div class=\"plat\">Platform A \u2014 percentage fee<\/div>\r\n        <div class=\"f\"><label for=\"fd-pct\">Platform fee (% of portfolio \/ yr)<\/label><input id=\"fd-pct\" type=\"number\" value=\"0.45\" step=\"0.01\" min=\"0\" inputmode=\"decimal\"><\/div>\r\n        <div class=\"plat\">Platform B \u2014 flat fee<\/div>\r\n        <div class=\"f\"><label for=\"fd-flat\">Flat fee (\u00a3 \/ yr)<\/label><input id=\"fd-flat\" type=\"number\" value=\"144\" min=\"0\" inputmode=\"decimal\"><\/div>\r\n      <\/div>\r\n      <div class=\"res\">\r\n        <div class=\"rl\">After <span id=\"fd-yr\">20<\/span> years, the cheaper platform leaves you<\/div>\r\n        <div class=\"big\" id=\"fd-diff\">\u00a3\u2014<\/div>\r\n        <div class=\"sub\" id=\"fd-verdict\">\u2026<\/div>\r\n        <div class=\"brk\">\r\n          <div class=\"r\"><span class=\"k\">Platform A final value<\/span><span class=\"v\" id=\"fd-va\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">Platform A total fees paid<\/span><span class=\"v\" id=\"fd-fa\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">Platform B final value<\/span><span class=\"v\" id=\"fd-vb\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">Platform B total fees paid<\/span><span class=\"v\" id=\"fd-fb\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">Break-even portfolio size<\/span><span class=\"v\" id=\"fd-be\">\u2014<\/span><\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"cta\">\r\n      <div class=\"t\">What's YOUR real all-in cost across platforms?\r\n        <span>Avex reads your actual statements and shows the fee drag on your real portfolio.<\/span>\r\n      <\/div>\r\n      <a class=\"btn\" href=\"\/contact\">Request early access \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n  <p class=\"note\">Simplified model: contributions at the start of each year, fees charged annually on the year-end balance, growth applied before fees, no fund OCF or dealing charges (they'd apply equally). Mathematical context only \u2014 not investment advice. Capital at risk.<\/p>\r\n  <script>\r\n  (function(){\r\n    var $=function(id){return document.getElementById(id)};\r\n    var ids=['fd-val','fd-contrib','fd-years','fd-ret','fd-pct','fd-flat'];\r\n    function gbp(n){ return '\u00a3'+Math.round(n).toLocaleString('en-GB'); }\r\n    function sim(v0,c,y,r,pctFee,flatFee){\r\n      var v=v0, fees=0;\r\n      for(var i=0;i<y;i++){\r\n        v=(v+c)*(1+r);\r\n        var f=v*pctFee+flatFee;\r\n        if(f>v){f=v;}\r\n        v-=f; fees+=f;\r\n      }\r\n      return {v:v,fees:fees};\r\n    }\r\n    function calc(){\r\n      var v0=parseFloat($('fd-val').value)||0, c=parseFloat($('fd-contrib').value)||0,\r\n          y=parseInt($('fd-years').value,10)||0, r=(parseFloat($('fd-ret').value)||0)\/100,\r\n          pct=(parseFloat($('fd-pct').value)||0)\/100, flat=parseFloat($('fd-flat').value)||0;\r\n      if(y<=0||(v0<=0&&c<=0)){ $('fd-diff').textContent='\u00a3\u2014'; $('fd-verdict').textContent='Enter your values.'; return; }\r\n      var A=sim(v0,c,y,r,pct,0), B=sim(v0,c,y,r,0,flat);\r\n      var diff=Math.abs(A.v-B.v), cheaper=A.v>=B.v?'A (percentage fee)':'B (flat fee)';\r\n      $('fd-yr').textContent=y;\r\n      $('fd-diff').textContent=gbp(diff)+' richer';\r\n      $('fd-verdict').textContent='Platform '+cheaper+' wins at these numbers. The gap compounds every year.';\r\n      $('fd-va').textContent=gbp(A.v); $('fd-fa').textContent=gbp(A.fees);\r\n      $('fd-vb').textContent=gbp(B.v); $('fd-fb').textContent=gbp(B.fees);\r\n      $('fd-be').textContent = pct>0 ? gbp(flat\/pct)+' (above this, flat fees win)' : '\u2014';\r\n    }\r\n    ids.forEach(function(i){ $(i).addEventListener('input',calc); });\r\n    calc();\r\n  })();\r\n  <\/script>\r\n<\/div>\r\n\n\n\n\n<h2>Why percentage fees look tiny and cost fortunes<\/h2>\n\n<p><strong>A &#8220;0.45% a year&#8221; platform fee doesn&#8217;t feel like money \u2014 but it&#8217;s charged on your whole portfolio, every year, forever.<\/strong> On \u00a3100,000 that&#8217;s \u00a3450 this year; as the portfolio grows, so does the fee \u2014 and every pound paid is a pound that stops compounding for you. Over 20 years, the gap between a percentage fee and a flat fee is rarely pocket change: it&#8217;s typically a five-figure sum.<\/p>\n\n<h2>Where is the breakeven?<\/h2>\n\n<p><strong>Divide the flat fee by the percentage rate \u2014 that&#8217;s the portfolio size where the two cost the same.<\/strong> A \u00a3144\/year flat fee against a 0.45% percentage fee breaks even at \u00a332,000: below that, the percentage platform charges less; above it, the flat fee wins by a growing margin every year. The calculator does this properly \u2014 with your contributions and growth compounding year by year, not a one-year snapshot.<\/p>\n\n<h2>What this calculator deliberately doesn&#8217;t include<\/h2>\n\n<p><strong>It isolates the platform fee \u2014 one clean comparison.<\/strong> Real platforms also differ on dealing charges, FX fees on non-GBP trades, and fund OCFs (which you pay whichever platform you use). Those matter \u2014 but mixing them all produces mush. Compare the platform-fee drag here, then check each platform&#8217;s dealing and FX schedule in our broker guides: the numbers for specific UK platforms live in our <a href=\"https:\/\/avexai.io\/blog\/hargreaves-lansdown-portfolio-tracker\/\">Hargreaves Lansdown deep-dive<\/a> and the broker articles rolling out on the blog.<\/p>\n\n<div class=\"avex-sources\" style=\"background:#fafafa\">\n  <h3>About this tool<\/h3>\n  <ol>\n    <li>All computation happens locally in your browser using JavaScript \u2014 no data is uploaded, stored or sent anywhere.<\/li>\n    <li>Default figures are illustrative examples of common UK fee structures \u2014 always check a platform&#8217;s current schedule before deciding. This calculator provides mathematical context only, not financial advice. Capital at risk.<\/li>\n  <\/ol>\n<\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1785150853879\"><strong class=\"schema-faq-question\">Is a percentage fee or a flat fee better?<\/strong> <p class=\"schema-faq-answer\">It depends on portfolio size. Divide the flat fee by the percentage rate to find the breakeven \u2014 for example, \u00a3144\/year vs 0.45% breaks even at \u00a332,000. Below it, percentage platforms usually cost less; above it, flat fees win by an increasing margin.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785150883354\"><strong class=\"schema-faq-question\">Do these fees really matter that much?<\/strong> <p class=\"schema-faq-answer\">Yes \u2014 because they compound. A fee taken this year also removes all the growth that money would have earned for the next 20 years. That&#8217;s why a &#8220;small&#8221; annual percentage often ends up costing more than a decade of flat fees.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785150895452\"><strong class=\"schema-faq-question\">Does the calculator include fund fees (OCFs) and dealing charges?<\/strong> <p class=\"schema-faq-answer\">No \u2014 deliberately. Fund OCFs follow the fund, not the platform, and dealing\/FX charges depend on how often you trade. This tool isolates the platform fee itself, so you compare one thing cleanly.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785150923070\"><strong class=\"schema-faq-question\">Is my data private?<\/strong> <p class=\"schema-faq-answer\">Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"background:radial-gradient(ellipse 70% 80% at 0% 0%,rgba(227,114,4,.8) 0%,rgba(227,114,4,.25) 40%,transparent 65%),radial-gradient(ellipse 60% 70% at 100% 100%,rgba(246,167,0,.5) 0%,transparent 60%),linear-gradient(180deg,#000814 0%,#001D3D 100%);color:#fff!important;padding:56px 32px!important;text-align:center!important;margin:48px 0;border-radius:16px;border:1px solid rgba(255,165,50,.18)\">\n  <div style=\"display:inline-block;font-size:11px!important;text-transform:uppercase!important;letter-spacing:1.5px!important;color:#001D3D!important;background:#FFCC33!important;padding:5px 12px!important;border-radius:4px!important;font-weight:700!important;margin:0 0 16px!important;line-height:1.4!important\">Private Wealth Copilot<\/div>\n  <div style=\"font-size:30px!important;margin:0 0 14px!important;letter-spacing:-.5px!important;color:#ffffff!important;font-weight:700!important;line-height:1.2!important\">Fees are only half the picture<\/div>\n  <div style=\"color:rgba(255,255,255,.75)!important;margin:0 auto 28px!important;font-size:17px!important;max-width:560px!important;line-height:1.6!important;font-weight:400!important\">Avex AI shows what your portfolio actually earns after costs \u2014 across every broker, parsed locally from your statements. Read-only by design.<\/div>\n  <a href=\"https:\/\/avexai.io\/contact\" style=\"background:#E37204!important;color:#ffffff!important;padding:14px 32px!important;border-radius:8px!important;font-weight:600!important;text-decoration:none!important;display:inline-block!important;font-size:15px!important;margin:4px 6px!important;text-transform:none!important;letter-spacing:0!important;border:none!important;box-shadow:none!important\">Request Early Access<\/a>\n  <a href=\"https:\/\/avexai.io\/#platform\" style=\"background:transparent!important;color:#ffffff!important;padding:14px 32px!important;border-radius:8px!important;font-weight:600!important;text-decoration:none!important;display:inline-block!important;font-size:15px!important;margin:4px 6px!important;text-transform:none!important;letter-spacing:0!important;border:1.5px solid rgba(255,255,255,.3)!important;box-shadow:none!important\">See the Platform<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Quick answer A percentage platform fee grows with your portfolio; a flat fee doesn&#8217;t. That&#8217;s the whole game: on small pots, percentage fees are usually cheaper \u2014 past a certain size, a flat fee wins by thousands. Enter your numbers below and see the 20-year difference, compounding included. Everything runs in your browser; nothing is [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":563,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_angie_page":false,"footnotes":"","_wp_rev_ctl_limit":""},"class_list":["post-560","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs<\/title>\n<meta name=\"description\" content=\"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs\" \/>\n<meta property=\"og:description\" content=\"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/\" \/>\n<meta property=\"og:site_name\" content=\"AvexAI Blog\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-27T11:54:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/07\/platform-fee-calculator-avex.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1353\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/\",\"name\":\"UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/platform-fee-calculator-avex.webp\",\"datePublished\":\"2026-07-27T11:54:37+00:00\",\"dateModified\":\"2026-07-27T11:54:38+00:00\",\"description\":\"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150853879\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150883354\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150895452\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150923070\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#primaryimage\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/platform-fee-calculator-avex.webp\",\"contentUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/platform-fee-calculator-avex.webp\",\"width\":1353,\"height\":630,\"caption\":\"Coins leaking from a jar illustrating the long-term drag of platform fees on a portfolio.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"UK Platform Fee Calculator: % vs Flat Fee\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\",\"name\":\"AvexAI Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/avexai.io\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#organization\",\"name\":\"AvexAI Blog\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-avex-logo-vertical.webp\",\"contentUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-avex-logo-vertical.webp\",\"width\":500,\"height\":142,\"caption\":\"AvexAI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150853879\",\"position\":1,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150853879\",\"name\":\"Is a percentage fee or a flat fee better?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on portfolio size. Divide the flat fee by the percentage rate to find the breakeven \u2014 for example, \u00a3144\\\/year vs 0.45% breaks even at \u00a332,000. Below it, percentage platforms usually cost less; above it, flat fees win by an increasing margin.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150883354\",\"position\":2,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150883354\",\"name\":\"Do these fees really matter that much?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 because they compound. A fee taken this year also removes all the growth that money would have earned for the next 20 years. That's why a \\\"small\\\" annual percentage often ends up costing more than a decade of flat fees.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150895452\",\"position\":3,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150895452\",\"name\":\"Does the calculator include fund fees (OCFs) and dealing charges?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No \u2014 deliberately. Fund OCFs follow the fund, not the platform, and dealing\\\/FX charges depend on how often you trade. This tool isolates the platform fee itself, so you compare one thing cleanly.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150923070\",\"position\":4,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/platform-fee-calculator-uk\\\/#faq-question-1785150923070\",\"name\":\"Is my data private?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs","description":"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/","og_locale":"en_US","og_type":"article","og_title":"UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs","og_description":"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.","og_url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/","og_site_name":"AvexAI Blog","article_modified_time":"2026-07-27T11:54:38+00:00","og_image":[{"width":1353,"height":630,"url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/07\/platform-fee-calculator-avex.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/","url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/","name":"UK Platform Fee Calculator: % Fee vs Flat Fee \u2014 What It Really Costs","isPartOf":{"@id":"https:\/\/avexai.io\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#primaryimage"},"image":{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#primaryimage"},"thumbnailUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/07\/platform-fee-calculator-avex.webp","datePublished":"2026-07-27T11:54:37+00:00","dateModified":"2026-07-27T11:54:38+00:00","description":"Percentage platform fees look tiny and cost fortunes. Compare a % fee with a flat fee over 20 years \u2014 compounding included \u2014 and find your breakeven. Free, runs in your browser.","breadcrumb":{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150853879"},{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150883354"},{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150895452"},{"@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150923070"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#primaryimage","url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/07\/platform-fee-calculator-avex.webp","contentUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/07\/platform-fee-calculator-avex.webp","width":1353,"height":630,"caption":"Coins leaking from a jar illustrating the long-term drag of platform fees on a portfolio."},{"@type":"BreadcrumbList","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/avexai.io\/blog\/"},{"@type":"ListItem","position":2,"name":"UK Platform Fee Calculator: % vs Flat Fee"}]},{"@type":"WebSite","@id":"https:\/\/avexai.io\/blog\/#website","url":"https:\/\/avexai.io\/blog\/","name":"AvexAI Blog","description":"","publisher":{"@id":"https:\/\/avexai.io\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/avexai.io\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/avexai.io\/blog\/#organization","name":"AvexAI Blog","url":"https:\/\/avexai.io\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/avexai.io\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/04\/cropped-avex-logo-vertical.webp","contentUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/04\/cropped-avex-logo-vertical.webp","width":500,"height":142,"caption":"AvexAI Blog"},"image":{"@id":"https:\/\/avexai.io\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150853879","position":1,"url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150853879","name":"Is a percentage fee or a flat fee better?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends on portfolio size. Divide the flat fee by the percentage rate to find the breakeven \u2014 for example, \u00a3144\/year vs 0.45% breaks even at \u00a332,000. Below it, percentage platforms usually cost less; above it, flat fees win by an increasing margin.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150883354","position":2,"url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150883354","name":"Do these fees really matter that much?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes \u2014 because they compound. A fee taken this year also removes all the growth that money would have earned for the next 20 years. That's why a \"small\" annual percentage often ends up costing more than a decade of flat fees.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150895452","position":3,"url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150895452","name":"Does the calculator include fund fees (OCFs) and dealing charges?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No \u2014 deliberately. Fund OCFs follow the fund, not the platform, and dealing\/FX charges depend on how often you trade. This tool isolates the platform fee itself, so you compare one thing cleanly.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150923070","position":4,"url":"https:\/\/avexai.io\/blog\/platform-fee-calculator-uk\/#faq-question-1785150923070","name":"Is my data private?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/comments?post=560"}],"version-history":[{"count":2,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/560\/revisions"}],"predecessor-version":[{"id":562,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/560\/revisions\/562"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/media\/563"}],"wp:attachment":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/media?parent=560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}