Loading …
Calculators
Costs and final value of a savings plan over time.
One execution per month, the fee comes off before anything is invested.
Before TER and order fees.
What the broker charges for each savings-plan execution.
Ongoing fund cost, charged annually against fund assets.
Assumptions
Final value
€109,193
After order fees and TER.
Total fees
€4,167
The gap to the identical plan with no order fee and no TER — fees paid plus the return they could no longer earn.
1.5% order fee against 0%
€1,663
Same return, same TER, same term — only the order fee differs.
| Year | Contributions | Order fees | Gains | Balance |
|---|---|---|---|---|
| 1 | €3,000 | €45 | €33 | €3,033 |
| 2 | €6,000 | €90 | €241 | €6,241 |
| 3 | €9,000 | €135 | €636 | €9,636 |
| 4 | €12,000 | €180 | €1,228 | €13,228 |
| 5 | €15,000 | €225 | €2,028 | €17,028 |
| 6 | €18,000 | €270 | €3,048 | €21,048 |
| 7 | €21,000 | €315 | €4,302 | €25,302 |
| 8 | €24,000 | €360 | €5,802 | €29,802 |
| 9 | €27,000 | €405 | €7,563 | €34,563 |
| 10 | €30,000 | €450 | €9,601 | €39,601 |
| 11 | €33,000 | €495 | €11,930 | €44,930 |
| 12 | €36,000 | €540 | €14,569 | €50,569 |
| 13 | €39,000 | €585 | €17,535 | €56,535 |
| 14 | €42,000 | €630 | €20,846 | €62,846 |
| 15 | €45,000 | €675 | €24,524 | €69,524 |
| 16 | €48,000 | €720 | €28,589 | €76,589 |
| 17 | €51,000 | €765 | €33,064 | €84,064 |
| 18 | €54,000 | €810 | €37,973 | €91,973 |
| 19 | €57,000 | €855 | €43,340 | €100,340 |
| 20 | €60,000 | €900 | €49,193 | €109,193 |
Note: These calculators are for information only and are not investment advice. Content on Brokaro is for information purposes only and is not investment, legal or tax advice.
The plan is stepped through month by month. First the order fee comes off the instalment — only the remainder is invested, exactly as at real execution. Then the balance is compounded at the effective monthly rate, which already has the TER deducted from the annual return.
Formula
Invested per month = instalment − order fee; balance = previous balance × (1 + i) + invested, where i = (1 + return − TER)^(1/12) − 1
For the total cost figure the same plan is run a second time with no order fee and no TER. The difference between the two final values is the complete fee damage, because it also carries the return every deducted unit could no longer earn. The 1.5% versus 0% comparison holds return, TER and term constant and varies only the order fee.
Which brokers offer savings plans with no execution fee, and on what terms, is documented in the individual reviews — promotional conditions are often time-limited or tied to a minimum instalment.