Compare the costs of investing

What does investing cost at your provider, and how much does that add up to in the long run? Enter your deposit and the number of years. For each provider you see the costs in the first year, what you pay in total and how much lower your end amount is as a result. Everything is calculated in your browser.

Starting amountWhat you put in now in one go. May be 0.Monthly contributionWhat you invest every month.Number of yearsHow long you keep investing.Return before costs (%)An assumption to show the effect of costs. Nobody knows the return in advance.Costs of your ETF (%)Only for self-directed investing: the ongoing costs (TER) of the ETF you choose. You find them in the key information document.

Example calculation with the fees of 4 November 2026. Returns are not guaranteed. Not financial or investment advice.

How we calculate

Each month your deposit is added and the costs of that purchase are deducted.
Then the amount grows with the return you enter.
Every month one twelfth of the annual service fee and fund costs is deducted, plus fixed monthly costs if the provider has them.
Lower end amount is the difference with the same calculation without costs. That is more than what you pay, because you no longer earn a return on the costs you paid.

What we assume

For each provider we calculate with one commonly chosen product: a global equity fund or, for self-directed investing, one ETF that you buy every month. At DEGIRO that is an ETF from the Core Selection (Kernselectie), at Trade Republic a savings plan and at BUX an investment plan. For ABN AMRO Begeleid Beleggen we use the Moderately Offensive profile. If you choose a different fund, profile or plan, the costs are different.

The providers are not the same. With a managed account the allocation is chosen and maintained for you; with self-directed investing you do that yourself. The funds also do not invest in exactly the same shares.

What is not included

Costs when selling (0.25% at Meesman), the difference between buying and selling price, currency costs, transaction costs inside a fund, dividend tax that a fund cannot reclaim, interest on uninvested cash, and Dutch box 3 tax. Fees change; always check the provider’s fee page before you choose.

Frequently asked questions

Which costs do you pay when investing?

Usually three kinds: the provider’s service fee (a percentage per year or a fixed amount per month), the fund costs of the fund or ETF (also a percentage per year) and costs per purchase. This calculator adds up those three.

Why does a small percentage matter so much?

Costs are taken from your entire balance every year, including what you built up in earlier years. On top of that, you no longer earn a return on the amount you lost to costs. Over twenty or thirty years that difference adds up.

Is the provider with the lowest costs the best choice?

Not necessarily. Costs are one part. Providers also differ in what they do for you: at one you choose and buy everything yourself, at another it is managed for you. The range, the convenience and the service differ too. This calculator only compares costs and gives no advice.

Why is my provider not listed?

We only include providers whose fees we were able to check in an official source. For ING, Rabobank, Saxo, LYNX and SemmieWealth we have not managed that yet. They will follow once the fees are confirmed.

Does Scotis get paid by these providers?

No. Scotis receives no compensation from providers and the order depends only on the calculated costs.

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Updated on 9 November 2026. Fees checked on 4 November 2026. Sources: Meesman · Brand New Day · ABN AMRO Begeleid Beleggen · Peaks · DEGIRO · DEGIRO Kernselectie · Trade Republic · BUX · Trading 212 · ABN AMRO Zelf Beleggen Basis.