BT Panorama fee calculator

We’ve developed a calculator to help financial services professionals to estimate administration fees for BT Panorama single accounts or related groups.  It should not be made available to any retail clients or used by investors to make decisions about financial products. It is not a substitute for financial advice.

The calculator estimates administration fees for before and after the planned change to Panorama pricing in October 2025. Learn about the planned changes to BT Panorama pricing (opens in new window).

Fee estimate

Refer to ‘How fees are calculated’ when viewing these estimates.

Figures are per annum, inclusive of GST and net of any RITC claimed.

Enter information in the previous section to get an estimate.


 

How fees are calculated

The information provided through this estimate:

  • is based on the information you entered;
  • assumes the account balance is invested for the whole year in the asset classes you entered into the calculator; 
  • is calculated based on account balances rather than individual investment options;
  • for fees before October 2025, except for expense recovery, 
    • are based on the administration fee schedule set out in the current disclosure documents (opens in new window) for BT Panorama Investments or BT Panorama Super dated 1 April 2025 if you have selected “standard fee arrangement”;
    • are based on the rates that you have entered if you have selected “historical individual fee arrangement”; 
  • for fees from October 2025, except for expense recovery, are based on the fees set out in our recent communications to you about the planned BT Panorama Pricing (opens in new window);
  • for expense recoveries, are based on the actual rates charged for the 2023-24 financial year;
  • does not take into account any fee caps that may apply to a Panorama Super account in accordance with Protecting your Super legislation; and
  • does not take into account any transaction account fees (this is the fee BTPS earns for managing the amount held in your clients’ transactions accounts) or any other fees and costs that may apply to some or all of the available investments (such as advice fees, transaction fees, transaction costs, external broker fees, transaction account fees, performance fees, other indirect costs, investment management fees and any applicable buy/sell spread charges).

This means that the total costs payable by a client in respect of the products will be greater than those specified in the results.

This calculator assumes that all entered accounts are eligible to be grouped for the purposes of calculating the administration fees. However, if “historical individual fee arrangement” has been selected, then the account has only been grouped for the purpose of this calculator from October 2025 (grouping is not available where an existing waiver or reduction is applied to an account). The fees shown above reflect the benefits of grouped accounts and are calculated based on the rates applicable to the total balance of the grouped accounts. Please refer to the relevant disclosure document for further details.

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This calculator and its report have been prepared by BT Portfolio Services Ltd (ABN 73 095 055 208 AFSL 233715) ('BTPS') solely for use by financial advisers or their dealer groups and must not be made available to any retail clients. The calculator and its report provide estimates only, for general information and guidance purposes. They should not be considered as a comprehensive statement on any matter or be on for the purposes of making any financial recommendations or an investment decision, and should not be treated as a substitute for financial advice.

The information generated by the calculator must not be copied, used or distributed to any other person without the prior written consent of BTPS. It does not contain any financial product advice. It is not intended to be used as the primary source of the user's information.

BTPS does not give any representation as to the accuracy, reliability or completeness of information contained in this calculator or its results. To the extent permitted by law, none of BTPS, its related bodies corporate, directors, employees, contractors or agents, accept any liability for any error or omission in this calculator or for any loss or damage incurred, directly or indirectly, by the user or any other person as a result of the use of this calculator.


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