Tools · Fees and advisors

What do your investment costs compound to?

Percentage fees look small and compound large. Enter your numbers, change any assumption, and see the arithmetic: the same deterministic engine the Augent Wealth product uses, running in your browser. Nothing you enter leaves this page.

Portfolio value$Annual contribution$Advisory fee per year%Fund expenses per year%Low-cost alternative, all-in%Expected gross return per year%

All-in cost

1.50%/yr

Cost in the first year

$15,900

Kept by lower costs over 30 years

$1,974,346

Horizon	At your costs	At the low-cost alternative	Difference
10 years	$1,539,646	$1,778,351	$238,705
20 years	$2,370,511	$3,162,533	$792,022
30 years	$3,649,748	$5,624,094	$1,974,346

How this is calculated

All-in cost is fund expenses (0.50%) plus advisory fee (1.00%) = 1.50% per year.
Growth model: each year the balance grows at the gross return (6.00%), then the annual cost is charged on the grown balance, then contributions are added.
Comparison portfolio uses the same growth with an all-in cost of 0.07%.
Returns are assumed constant; real markets vary year to year, which changes the path but not the arithmetic of cost compounding.
All figures are deterministic integer arithmetic in minor units, rounded once per simulated year.
Engine: fee-drag v1.0.0, the same code the product runs.

This is an educational calculator with generic inputs, not a recommendation. The arithmetic behind it is explained in What a 1% advisory fee actually costs.

Your real all-in cost needs your real accounts.

Augent Wealth reads your actual holdings and shows your all-in cost in dollars: fund expenses, advisory fees, and cash drag, across every account, with each assumption visible and yours to change.