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What does a 1% advisory fee really cost?
Enter your balance and your advisor's fee. See this year's fee, the total over time, and the gap it opens up.
diyfiadvisors.com/tools/fee-calculator
$
%
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yrs
For education only, not investment advice. Both paths assume a fixed 7% annual return before any fee; real returns vary and are not guaranteed.
What you're paying
$2,000
This year's fee
$158,116
Total fees over 30 years
DIY balance
$1,522,451
Advisor balance
$1,148,698
DIY pathAdvisor pathCost of the fee
Hypothetical illustration based on the assumptions you enter. Not a prediction or a guarantee of future results. Taxes are not modeled.
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What the tool assumes
- 01
Same return, both paths
Both balances grow at a fixed 7% a year before fees. The only difference is the advisory fee. - 02
The fee compounds too
Each year the fee comes out of the balance, so the money it takes never grows. The red area is the fee plus that lost growth. - 03
What it leaves out
Fund expense ratios, taxes, and market swings are not modeled. Real returns vary and are not guaranteed.
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