How it builds up
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Pin the current scenario, then change something — you'll see the difference as a number and a ghost line on the chart.
Year-by-year breakdown
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| Year | Paid in | Interest | Fees | Balance |
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Fees are charged monthly on the whole balance, the way a TER works. “Cost of fees” is the full gap between your end balance and a fee-free one — it includes the growth those fees never got to make. Realistic mode draws 600 log-normal return paths centred on the rate you typed, from a fixed seed, so a shared link always reproduces the same picture. This is a calculator, not financial advice.