Financial Advisor Cost Calculator
See exactly what you'd pay an advisor over time, across different fee structures.
Compare any combination of these fee structures:
- 1% AUM fee (industry standard)
- 0.5% AUM fee (low-cost advisor)
- $5,000 flat fee per year (subscription)
- $3,000 flat fee per year (lower-tier subscription)
- 0.25% AUM fee (robo-advisor)
What advisor fees actually cost
This calculator simulates how AUM percentage fees and flat subscription fees compound against your portfolio over time. You'll see total fees paid, your final portfolio value, and the lost compounding cost compared to a no-fee baseline.
Most investors pay between 0.5% and 2% of assets every year. On a $1M portfolio over 25 years, that's hundreds of thousands of dollars in fees and lost growth.
Continue learning
The full breakdown of fee structures, hidden costs, and what's fair to pay.
Not all financial advisors are required to act in your best interest.
Take our 2-minute quiz to see if a coach, an advisor, or DIY is right for you.
Explore more calculators
Each tool gives you a clear next step — not just a number.
See how your investments compound over time with monthly contributions.
Project the size of your nest egg at retirement.
Find out if your savings will cover your retirement income needs — or if there's a gap.
See how fast you can be debt-free and how much interest you'll save.
Calculate your net worth and benchmark it against peers in your age band.
Get a personalized recommendation: DIY, coach, or fiduciary advisor.
See how your money grows over time with compounding. Adjust contributions, return, and time to watch the math work.