Advisor Fee Comparison Calculator

A 1% AUM fee sounds small. Over decades it isn't — because every dollar skimmed off your portfolio also stops compounding. Compare a percentage fee to a flat annual fee, see the cumulative cost, and watch the real number: the compounding drag a generic fee calculator never shows you.

Starting portfolio balance

What you'd hand to an advisor today.Annual contribution

New money you add each year (0 if none).Expected gross annual return

Return before any advisor fee. Hypothetical — not guaranteed.AUM advisor fee

Percent of assets charged per year. The industry standard is ~1%.Flat annual fee (alternative)

A fixed yearly fee — what a flat-fee or advice-only planner might charge.Time horizon (years)

How long you'll be invested.

AUM fees cost you more by$1,809,207in ending portfolio value over 25 years

Total fees paid — AUM$1,165,591

Total fees paid — flat$200,000

Ending value — AUM$9,209,773

Ending value — flat$11,018,980

Ending value — no advisor fee$11,524,972

Compounding drag (lost growth on AUM fees)$843,616

AUM fees (cumulative) Flat fees (cumulative)

The AUM fee is the expensive choice here.You'd pay $1,165,591 vs $200,000 in fees — but the real cost is $1,809,207 less in your pocket, because $843,616of that is growth the skimmed fees never earned. A percentage fee scales with your balance even when the work doesn't.

Keep more of your own money

Velira gives you the planning an advisor charges 1% for — the move your plan calls for, every day — for a flat membership, not a slice of your assets.

Get started

Estimate for education only, not financial or investment advice. It applies the same hypothetical gross return to both fee structures using the assumptions you enter; actual returns vary and are not guaranteed. It does not model taxes, fund expense ratios, or any difference in service or performance between providers — fees are only one factor. Velira does not manage money. Confirm with the providers you're comparing.

Advisor Fee Comparison Calculator

Learn more about Velira