Investment Fee Calculator

We built a fixed fee calculator to offer transparency and fairness in our services. As a data-driven business, we know how low fees and smart investing deliver long-term benefits.

The calculator allows clients to estimate fees instantly, ensuring clarity and trust from the start. We don’t want to hide anything—we treat everyone how we’d want to be treated. No sales pitches—what clients see is what they get, reflecting our commitment to open communication and high-quality service.

Amount you would like to invest

Year 1

Xentum investment return
(fixed fee)
£1,052,400 £31,400
Xentum fee Fixed based on complexity
Xentum portfolio 0.46% Platform & Fund Fee
After 25 years you will have £4,452,503 with fixed fees.
Industry average, investment return
(1.00% fee)
£1,021,000 -£31,400
Industry average adviser fee 1.00%
Industry average market portfolio 0.90% Platform & Fund Fee
After 25 years you will have £3,268,079 with percentage based fees.
Advanced settings
Projected growth 7.00%
Years 25
Industry average implementation fee 3.00%
Industry average adviser fee 1.00%
Industry average market portfolio 0.90% Platform & Fund Fee
With a projected annual growth rate of 7%, your Xentum Portfolio will outperform its industry peer by £31,400 at the end of Year 1, as a result of our fixed fee structure and marginal gains.
Full breakdown

Chart

The impact of compounding, percentage-based fees over time can be seen in each graph below.

Swipe to view

  • Xentum (fixed fee)
    Industry (1.00% fee)
    £1,000,000 investment over 25 yearsxentum.co.uk£5,000,000£5,000,000£4,000,000£4,000,000£3,000,000£3,000,000£2,000,000£2,000,000£1,000,000£1,000,000Investment ValueYear 1Year 1Year 2Year 2Year 3Year 3Year 4Year 4Year 5Year 5Year 6Year 6Year 7Year 7Year 8Year 8Year 9Year 9Year 10Year 10Year 11Year 11Year 12Year 12Year 13Year 13Year 14Year 14Year 15Year 15Year 16Year 16Year 17Year 17Year 18Year 18Year 19Year 19Year 20Year 20Year 21Year 21Year 22Year 22Year 23Year 23Year 24Year 24Year 25Year 25Years£4,452,503£3,268,079
  • Xentum (fixed fee)
    Xentum external (0.46%)
    Industry (1.00%)
    Industry external (0.90%)
    Compounded fees over 25 yearsxentum.co.uk£80,000£80,000£60,000£60,000£40,000£40,000£20,000£20,000£0£0FeesYear 1Year 1Year 2Year 2Year 3Year 3Year 4Year 4Year 5Year 5Year 6Year 6Year 7Year 7Year 8Year 8Year 9Year 9Year 10Year 10Year 11Year 11Year 12Year 12Year 13Year 13Year 14Year 14Year 15Year 15Year 16Year 16Year 17Year 17Year 18Year 18Year 19Year 19Year 20Year 20Year 21Year 21Year 22Year 22Year 23Year 23Year 24Year 24Year 25Year 25Years
Investment
Fees
Year 1
Fixed fees vs percentage
Xentum charges a fixed Implementation & Annual Fee, whilst the Industry average is to charge both of these with a percentage-based fee.
Include WealthPlan™
WealthPlan™ takes you and your family through a clear financial planning process so you can live life to the full, now and in the future. If we implement your WealthPlan™, this fee will be deducted in full.
 
Xentum
Industry avg.
£0
Not offered
Implementation Fee
£7,000 (capped fixed fee)
£30,000 (3.00% fee)
Annual Service Fee
£6,000 (fixed)
£10,000 (1.00% fee)
External costs
Platform & fund fee(s)
£4,600 (0.46%)
£9,000 (0.90%)
Total
£17,600
£49,000
From Year 2 – Year 25

Compounding fees

When your investment grows by 7% every year, our fees don't increase. The Industry average does.
Xentum
Industry avg.
Year 2

£6,000 (fixed )

+ £5,180 (0.46% ext. )

£11,180

£10,925 (1% )

+ £9,832 (0.90% ext. )

£20,757

Year 3

£6,000 (fixed )

+ £5,487 (0.46% ext. )

£11,487

£11,467 (1% )

+ £10,321 (0.90% ext. )

£21,788

Year 4

£6,000 (fixed )

+ £5,815 (0.46% ext. )

£11,815

£12,037 (1% )

+ £10,833 (0.90% ext. )

£22,870

Year 5

£6,000 (fixed )

+ £6,164 (0.46% ext. )

£12,164

£12,635 (1% )

+ £11,371 (0.90% ext. )

£24,006

Year 6

£6,000 (fixed )

+ £6,536 (0.46% ext. )

£12,536

£13,262 (1% )

+ £11,936 (0.90% ext. )

£25,198

Year 7

£6,000 (fixed )

+ £6,931 (0.46% ext. )

£12,931

£13,921 (1% )

+ £12,529 (0.90% ext. )

£26,450

Year 8

£6,000 (fixed )

+ £7,353 (0.46% ext. )

£13,353

£14,613 (1% )

+ £13,151 (0.90% ext. )

£27,764

Year 9

£6,000 (fixed )

+ £7,802 (0.46% ext. )

£13,802

£15,338 (1% )

+ £13,805 (0.90% ext. )

£29,143

Year 10

£6,000 (fixed )

+ £8,280 (0.46% ext. )

£14,280

£16,100 (1% )

+ £14,490 (0.90% ext. )

£30,590

Year 11

£6,000 (fixed )

+ £8,789 (0.46% ext. )

£14,789

£16,900 (1% )

+ £15,210 (0.90% ext. )

£32,110

Year 12

£6,000 (fixed )

+ £9,332 (0.46% ext. )

£15,332

£17,739 (1% )

+ £15,965 (0.90% ext. )

£33,705

Year 13

£6,000 (fixed )

+ £9,910 (0.46% ext. )

£15,910

£18,620 (1% )

+ £16,758 (0.90% ext. )

£35,379

Year 14

£6,000 (fixed )

+ £10,525 (0.46% ext. )

£16,525

£19,545 (1% )

+ £17,591 (0.90% ext. )

£37,136

Year 15

£6,000 (fixed )

+ £11,180 (0.46% ext. )

£17,180

£20,516 (1% )

+ £18,465 (0.90% ext. )

£38,981

Year 16

£6,000 (fixed )

+ £11,878 (0.46% ext. )

£17,878

£21,535 (1% )

+ £19,382 (0.90% ext. )

£40,917

Year 17

£6,000 (fixed )

+ £12,622 (0.46% ext. )

£18,622

£22,605 (1% )

+ £20,344 (0.90% ext. )

£42,949

Year 18

£6,000 (fixed )

+ £13,414 (0.46% ext. )

£19,414

£23,728 (1% )

+ £21,355 (0.90% ext. )

£45,082

Year 19

£6,000 (fixed )

+ £14,257 (0.46% ext. )

£20,257

£24,906 (1% )

+ £22,416 (0.90% ext. )

£47,322

Year 20

£6,000 (fixed )

+ £15,156 (0.46% ext. )

£21,156

£26,143 (1% )

+ £23,529 (0.90% ext. )

£49,672

Year 21

£6,000 (fixed )

+ £16,112 (0.46% ext. )

£22,112

£27,442 (1% )

+ £24,698 (0.90% ext. )

£52,139

Year 22

£6,000 (fixed )

+ £17,131 (0.46% ext. )

£23,131

£28,805 (1% )

+ £25,924 (0.90% ext. )

£54,729

Year 23

£6,000 (fixed )

+ £18,217 (0.46% ext. )

£24,217

£30,236 (1% )

+ £27,212 (0.90% ext. )

£57,448

Year 24

£6,000 (fixed )

+ £19,373 (0.46% ext. )

£25,373

£31,737 (1% )

+ £28,564 (0.90% ext. )

£60,301

Year 25

£6,000 (fixed )

+ £20,604 (0.46% ext. )

£26,604

£33,314 (1% )

+ £29,982 (0.90% ext. )

£63,296

Fees charged
After 25 years
£429,649
£968,733
Investment return
After 25 years
£4,452,503
£1,184,424
£3,268,079
-£1,184,424

Figures based on Which? January 2024 Industry average market figures.

Use of calculator - This information in this calculator is a guide only and should not be relied on as the fee payable by you. The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. Past performance is not necessarily a guide to future performance. We do not accept any liability for any loss or damage which is incurred by you acting or not acting as a result of using this calculator. You acknowledge that you use the information we provide at your own risk. The information contained in the document and/or website is for guidance only and does not constitute advice which should be sought before taking any action or inaction. Any fees payable by you will be discussed before you proceed with any recommendation.

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