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Financial Mis-Selling Compensation Calculator

An illustrative estimate of potential compensation, based on your inputs. All figures are indicative only — actual compensation depends on the specific facts of your case. Use this as a starting point, then contact us for a free, personalised assessment.

Quick Answer: UK financial mis-selling compensation is calculated as the difference between your actual outcome and where you would be had suitable advice been given (FOS "DISP App 4" methodology), plus 8% simple interest per year. Awards go up to £430,000 via FOS or £85,000 via FSCS. Source: FCA DISP App 4; FOS award limits from 1 April 2024.

Disclaimer: This calculator provides approximate estimates only. It is not legal advice. Actual compensation amounts depend on individual facts and applicable rules. FSCS maximum is £85,000 per eligible claimant. FOS maximum is £430,000. Always seek legal advice.
Capital loss: £45,000
Interest at 8% simple: £14,400
Estimated total (FOS/court): £59,400
Capped at FSCS £85,000: £59,400

How compensation is calculated

SIPP and investment mis-selling: compensation = original investment − current value, plus 8% simple interest per year on the capital loss (FOS methodology).

DB pension transfer (PS22/13): redress = what your pension would be worth if you had stayed in the DB scheme, minus the actual value of your SIPP or personal pension today. Uses FCA-prescribed actuarial factors. Average redress exceeds £45,000.

APP fraud: PSR mandatory reimbursement caps at £85,000 per claim from 7 October 2024. Losses above this may be recovered via FOS or court.

Frequently Asked Questions

Is this calculator accurate?
It provides a directional estimate only. Actual figures depend on interest calculation dates, whether the firm or FSCS pays, applicable actuarial factors for pension claims, and any contributory negligence findings. Always seek legal advice for a personalised assessment.
Why is my SIPP estimate different from what the FSCS offered me?
FSCS offers are calculated using their own methodology. Many clients accept initial FSCS offers that undervalue their loss. A solicitor review of your FSCS calculation is free and may result in a significantly higher award.
How is 8% simple interest applied?
Under FCA DISP App 3, 8% simple interest per year is added to the capital loss from the date of the loss to the date of settlement. This is not compound interest — it is calculated on the original loss only.
Does the FSCS apply the same calculation?
The FSCS follows FCA methodology (DISP App 4 for pension transfers, DISP App 3 for interest) but caps the final award at £85,000. Losses above the cap remain recoverable via court action against solvent connected parties.

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Related guides

how compensation is calculated · FOS vs FSCS · No Win No Fee · our fees · how it works

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