What is your platform really charging you?

Platform news · FCA actions · Market moves — updated daily

Enter your portfolio value below. See what each major UK platform charges you — instantly, free, no sign-up required.

Instant fee estimator Live 2026 rates

See full breakdown by SIPP, ISA & GIA →

Enter your exact accounts & see the impact over 30 years. See the compounding cost →

The number nobody shows you

Fees look small. Compounded, they're not.

A 0.1% difference in annual platform charges sounds trivial. Over 20 years on a growing portfolio, it can cost you tens of thousands of pounds — money you invested, silently given away.

£150k portfolio. 20 years. 7% annual growth.

Here's what each platform's fees leave you with — before you've made a single active decision about your investments.

Run the full visualiser with your numbers →

What we offer

The tools the platforms don't want you to have.

Built by someone who spent a career inside the institutions that manage the money of institutional investors — and knows exactly how fees are designed to be invisible.

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Platform fee comparison

Model your SIPP, ISA and GIA separately. Choose funds, ETFs or stocks per account. See accurate 2026 fee logic for HL, AJ Bell, ii and Vanguard side by side.

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30-year fee compounding

See what your platform costs you over 10, 20 and 30 years — in pounds, not percentages. The difference between the cheapest and most expensive is startling.

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Weekly market brief

Clear, analytically rigorous summaries of what moved markets and why — written for investors who want to understand, not just be told what to buy.

Stephen White

Founder, Effective Investing

I've spent years researching the UK investment platform market and how fees silently erode returns. Effective Investing exists to give you the tools and information the platforms would rather you didn't have.

Every investor deserves clear, unbiased information about what they're paying and why it matters. That's what Effective Investing is here to provide.

Stop guessing. Know what you're paying.

Run the full comparison in two minutes. Enter your SIPP, ISA and GIA — see exactly what each platform costs, which is cheapest, and what the difference compounds to over 30 years.

Open the full comparison tool