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
Your calculation
The annual fee in dollars
Your entered balance multiplied by the advisor and platform percentages you entered. It excludes fund expense ratios, trading, tax and implementation costs.
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Source: WiserAdvisor’s service descriptionWhat 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.
Figures verified by recomputing every fee, effective rate and all-in total on this page from its own stated balances and rates on September 30, 2026; the Kapitalwise partner description and the on-page calculator script were not re-checked.
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.
Editorial standards: Editorial Policy
Use the AUM calculator with these comparisons
- AUM breakpoint visual
- Advisor-fee comparison scenarios
- AUM tier tables and effective rates
- Flat fee vs AUM at $500k and $1M
- Is a 1% AUM fee
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worth it?
Now compare that number to the market. The calculator tells you what you pay; the fee checker tells you where that sits among real Form ADV disclosures: check your own fee against this data.
Once you know the number, the harder question is whether it is buying anything: the break-even math by situation.
What the fee is buying, in context. A percentage only means something against the spending it has to support — what retirement actually costs puts the number next to the plan.
Want to run the numbers for your own balance? The Advisor Firm Fee Calculator 2026: What 39 Named Firms Charge tool prices a firm's published schedule at your balance.