Stocks & Shares ISA comparison

ISA fees calculator

Model platform, dealing, and FX costs across selected low-cost UK providers.

Scenario based No advice, no fund OCFs Last checked

Inputs

Your portfolio

The current value already held in your Stocks and Shares ISA, or the amount you expect to transfer. Percentage platform fees are calculated from this balance. £
Regular monthly money expected to go into the ISA. If this is above zero, the model assumes 12 annual trades for the selected investment type. £
Choose the broad investment type you expect to use. Mixed splits the balance and monthly contribution 50/50 between funds and shares or ETFs.
FX assumption
Buying US stocks usually means converting pounds to dollars. When this is checked, the monthly contribution is treated as monthly FX conversion.

Ranking

Estimated annual cost

8 matches
Dodl Investment ISA is currently the cheapest default match for a £10,000 fund ISA with £100/month contributions at £15.00 per year.
1. Dodl

Investment ISA

Not flexible · Funds, shares and ETFs

Estimated annual cost £15.00
Platform£15.00 Trading£0.00 FX£0.00
2. AJ Bell

Stocks and Shares ISA

Not flexible · Funds, shares and ETFs

Estimated annual cost £43.00
Platform£25.00 Trading£18.00 FX£0.00
3. Vanguard

Self-managed ISA

Flexible ISA · Funds and ETFs, no individual shares

Estimated annual cost £48.00
Platform£48.00 Trading£0.00 FX£0.00

Fee structure

Platform charge benchmark

Annual account or platform fee on a £10,000 holding before dealing and FX.

Free Flat Percentage Minimum

Provider comparisons

Calculator-backed comparisons for common UK Stocks & Shares ISA fee searches.

2026 Stocks and Shares ISA rules

2026/27 Stocks and Shares ISA allowance

The adult ISA allowance for the 2026 to 2027 tax year is £20,000. If you are using it in a Stocks and Shares ISA, start with the rules, then model the provider costs.

Examples

Worked fee scenarios

These pages turn common UK Stocks & Shares ISA fee questions into concrete, calculator-backed examples rather than generic "best ISA" noise.

Methodology

How it works

Fees are estimated from publicly available provider pricing pages. The model includes platform or account fees on your current balance, 12 annual trades when monthly contributions are entered, and FX fees when the US-stock assumption is enabled. Fee drag assumes 5% annual growth.

This is not a performance simulator, tax advice, or investment advice. Real-world fees can differ if a provider applies temporary promos, product-specific discounts, or details this calculator does not ask for.

See the full methodology and exclusions, including the provider verification table and pricing sources.

One-off exit charges are not part of the annual ranking; they are compared separately on the ISA transfer-out fees page.

FAQ

Common traps

What ISA fees should UK investors compare?

UK investors should compare platform or account fees, fund dealing fees, share and ETF dealing fees, foreign exchange fees, subscription charges, and any relevant caps or minimum charges.

What is fee drag?

Fee drag is the long-term effect of annual charges reducing the amount left invested. A small annual fee can become a larger opportunity cost because the money paid in fees no longer compounds.

Does this include fund ongoing charges?

No. Fund ongoing charges are product-level costs charged by the fund manager, not the platform. This calculator focuses on wrapper-level and trading costs.