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How Much Is Your Advisor's 1% Really Costing You?

A 1% AUM fee sounds small. Over 30 years, it can consume roughly 28% of your final portfolio. See the real number for your situation.

Enter your portfolio assumptions below. No account required.

$

Total invested today (401(k), IRA, brokerage)

$

e.g. $6,000 = IRA max, $23,000 = 401(k) max

%

Industry avg ~1.0%

%

Robo/fee-only ~0.25%

%

Index fund ~0.10%

%

Pre-fee, annual

Years to retirement or withdrawal

Why this number is bigger than you think: AUM fees compound — the same way your gains do, but in reverse. A 1% fee paid annually is much more than 1%/year over a long horizon. Every dollar paid in fees is a dollar that can't earn 7% a year for the rest of your life, so the compounding loss grows geometrically with time.

Educational tool only. Not investment advice. Assumes constant return, contribution, and fee. Actual market performance varies. • Advisor data sourced from SEC IARD / FINRA BrokerCheck.