Updated July 6, 2026. Quick answer (2026): Use this AUM fee calculator to convert an advisor’s percentage fee into annual dollars. A 1.00% AUM fee on $1,000,000 is $10,000/year before fund, platform, UMA, overlay, trading, tax-prep, or implementation costs. A 0.75% fee on $1,000,000 is $7,500/year, and a 0.50% fee is $5,000/year. Always compare the dollar cost with flat annual, retainer, hourly, and project quotes for the same written scope.
Enter a portfolio balance, advisor percentage, and any platform or UMA layer to compare estimated annual, monthly, and 10-year costs. Then compare those dollars with flat annual, retainer, hourly, and project quotes for the same written scope.
AUM fee calculator
You have a number. Make the next adviser beat it.
The matching service below introduces you to advisers who pay to meet you — which means you start the conversation with leverage. Show them the figure above and ask what they would charge on the same balance, and what you would get for it. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text.
Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. Nothing loads and nothing reaches Kapitalwise until you press the button.
Compare fees, scope, conflicts, credentials and fiduciary duty before you hire anyone.
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What that same balance costs on a by-slice schedule
A flat percentage and a tiered schedule can quote the same headline rate and cost very different amounts. This reads the balance and rate you entered above and prices them against the by-slice breakpoint schedule published on this site — one example schedule, not a market benchmark. Neither figure includes fund expense ratios or platform layers.
Compare the AUM quote before a call
Ask whether the percentage includes planning, portfolio management, platform fees, UMA or overlay fees, fund expenses, tax management, implementation help, and trading costs. Then compare the same scope with flat annual, retainer, hourly, and project pricing.
Quick AUM fee examples
| Portfolio balance | 0.50% AUM | 0.75% AUM | 1.00% AUM | 0.10% platform layer |
|---|---|---|---|---|
| $250,000 | $1,250/year | $1,875/year | $2,500/year | $250/year |
| $500,000 | $2,500/year | $3,750/year | $5,000/year | $500/year |
| $1,000,000 | $5,000/year | $7,500/year | $10,000/year | $1,000/year |
| $2,000,000 | $10,000/year | $15,000/year | $20,000/year | $2,000/year |
| $3,000,000 | $15,000/year | $22,500/year | $30,000/year | $3,000/year |
What to compare after the calculator
- Cost of UMA platforms and AUM fees by balance - separate advisor, platform, overlay, model, fund, and implementation costs.
- Financial advisor fee calculator - compare AUM with flat annual, retainer, hourly, and project quotes.
- Financial advisor fee comparison chart - use static examples across fee models.
- Wealth management fee structure - compare private wealth, AUM, retainer, and flat-fee models.
- RIA fee schedule - check tiered, breakpoint, and minimum-fee language.
Copy/paste questions for an AUM quote
- What is my total annual dollar cost at my current balance?
- Does the fee include planning, portfolio management, implementation, trading, platform costs, and fund expenses?
- Are there breakpoints, household aggregation rules, minimum annual fees, or separate platform/UMA layers?
- How would the same scope price under flat annual, retainer, hourly, or project pricing?
- Are you acting as a fiduciary for the entire relationship, including rollover and platform recommendations?
Vague answers to those five questions matter more than the dollar figure this calculator returns; how to shortlist and screen advisors covers the checks worth running before you agree to pay that figure every year.
Run the state tax number too
This calculator prices the advisory fee. It does not price the state, which for most retirees moves more money over a full retirement than the difference between two fee quotes. Two companion calculators finish the picture: the two-state comparison tool puts any two states side by side on income, estate, and inheritance tax, and the probate cost calculator estimates what the statutory fee schedule takes from an estate before the heirs see it. Both sit inside retirement tax relocation.
Methodology
- We convert AUM percentages into annual dollars using simple balance multiplied by percentage math.
- We show separate platform or UMA layers because small percentages can add up at higher balances.
- We do not rank advisors, sell directory placement, publish fake reviews, or claim that one fee model is best for every household.
- This page was materially reviewed on July 6, 2026. Fee examples are educational, not personalized financial, tax, legal, or investment advice.
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