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.
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.