Calculator

See what a 1% advisor fee may cost over time

Enter your portfolio size, annual contributions, historical return, and current advisory fee. We will show an illustrative comparison of your portfolio with and without the fee, using the same return assumption in both cases.
How much your financial advisor cost?

Search for securities to add to your portfolio, then set allocation percentages.Total must equal 100%.

Type of advisor fee
Select your type
Estimate your historical return with our tool
Calculate fee impact
Your fee drag is meaningful.
A 0% annual fee compounds into a significant sum over 30 years. It's worth asking whether you're getting full-picture planning or mainly portfolio monitoring.
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Cost of advisory fees over time
Awaiting analysis...
Estimated portfolio without advisor fee
By avoiding these fees, you could reach your financial goals up to 62 years sooner, as even minor annual fees can significantly impact your savings over time.
Fixed AUM fee
Percentage-based fees that reduce your returns.
Portfolio Value
$0
Total fees paid
$0
Time spent managing portfolio
4 hours
Setup_adv + N × [(meetings/yr × hrs/mtg) + scheduling/prep/yr + review/yr]
  • Setup_adv - Vetting/interviewing 2–3 advisors, discovery meetings, paperwork, account linking/transfers
  • N - number of years
  • meetings/yr - Semiannual review is typical for this segment
  • hrs/mtg - Meeting time, excluding prep
  • scheduling/prep/yr - Calendar coordination, gathering docs
  • review/yr - Reading statements/reports, email back-and-forth
  • execution - Advisor places trades
Setup_robo + Setup_orphan + N × [robo_maint + orphan_maint]
  • Setup_robo - Sign-up, risk questionnaire, funding/transferring assets in
  • Setup_orphan - allocation decisions for 401k/529/HSA, initial tracking
  • N - number of years
  • account-review/yr - Checking the dashboard, reviewing performance
  • adjustment/yr - Occasional goal/risk changes
  • orphan_maint/yr - drift check, limited-menu 401k rebalance, execution
Lost fees compounding
Wealth that could have grown if fees were invested.
Compounded interest lost from fees
$0
Total loss due to fees
0%
Using Enrich
Smart portfolio monitoring at a fraction of advisory fees.
Portfolio Value
$0
Total fees paid
$0
Time spent managing portfolio
4 hours
Setup_enrich + N × [alert-review/yr + (rebalance events/yr × (review + self-execution time))]
  • Setup_enrich - Download, Plaid linking of several accounts, goal creation, strategy setup
  • N - number of years
  • alert-review/yr - Periodic review of drift/idle-cash/TLH/off-track notifications
  • rebalance events/yr - Passive allocator
  • review + self-execution/event - ~15 min reviewing the checklist + ~45 min placing trades across brokerages
Lost fees compounding
Wealth that could have grown if fees were invested.
Compounded interest lost from fees
$0
Total loss due to fees
0%
Get Enrich to avoid fees and gain simplicity
Get Enrich for simple
DIY Investing
Manage your portfolio yourself with no advisory fees.
Portfolio Value
$0
Total fees paid
$0
Time spent managing portfolio
20 hours
Setup_diy + N × [data-update + drift-calc + rebalance-decision + execution + TLH-research + spreadsheet-upkeep]
  • Setup_diy - Researching an allocation, building the tracker, initial aggregation
  • N - number of years
  • data-update/yr - Quarterly manual balance pulls
  • drift-calc/yr - Computing drift by hand
  • rebalance-decision/yr - Deciding trades
  • execution/yr - Placing trades across accounts
  • TLH-research/yr - Identifying candidates, wash-sale checks
  • spreadsheet-upkeep/yr - Fixing formulas, adding accounts
Get Enrich to avoid fees

What this number can and cannot tell you

A higher fee drag does not automatically mean you should leave your advisor. Some investors are paying for broader planning, tax coordination, estate work, or accountability that may still be worth it for them. But if most of the value you are receiving is portfolio monitoring and basic allocation upkeep, a flat-fee tool may be enough. 
This calculator is an illustration, not a forecast. It assumes your entered return is a pre-advisory-fee annual return and compares two paths: one with your current fee and one without it. Real-world outcomes depend on market returns, taxes, withdrawals, trading costs, fund expenses, and the scope of services your advisor provides.
See how Enrich works

Your options

DIY with Enrich
Built for this
Best for people who already believe in a strategy and want help monitoring it across accounts.
Product overview
Benefits
Lowest ongoing fee drag, full control, plain-English portfolio oversight, no custody transfer, no delegated trading.
Tradeoffs
You still make decisions and place trades yourself.
Robo-advisor
Best for people who want automation and simplicity more than customization.
Is a robo-advisor for you?
Benefits
Lower fees than many human advisors, automatic rebalancing, easy onboarding.
Tradeoffs
Less control, more generic portfolios, limited flexibility for multi-account or custom goal setups.
Boutique advisor
Best for people with complexity who want planning, coaching, taxes, estate coordination, or behavioral support.
Is DIY for you?
Benefits
Human judgment, accountability, broader planning relationship.
Tradeoffs
Higher fees, potential platform or product bias, and less direct control.
Bulge bracket advisor
Best for very high-net-worth households wanting integrated banking, lending, estate, and private wealth services.
Leaving an advisor
Benefits
Broad service platform, access, convenience, relationship depth.
Tradeoffs
Typically expensive, often overbuilt for many HENRY or mass-affluent DIY-capable households.

We believe the best person to manage your money is you.

We believe many investors can manage their own money with the right tools.
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‍RIAs act in your best interest, following strict fiduciary standards to protect you and your money.
Proven Product Builders
We’ve created secure, high-scale tech and financial tools used by millions at companies like Amazon, Google and Facebook - and FinTechs like SnapDocs.
Financial Planning Expertise
‍Our founder has rigorous, financial planning knowledge—so guidance is never guesswork.
Our vision

You may not need to hand over a percentage of your portfolio to stay organized, stay on plan, and make sound portfolio decisions. Start by seeing what your current advisor's fee may cost over time.

Rebalancing

Get alerted when drift actually crosses your band

Portfolio oversight, no advisor fee
Monitor allocations, identify drift, and stay aligned with your investment strategy across all accounts—while keeping full control of your portfolio.
Stay in control. Stay on track.
Enrich helps DIY investors monitor portfolios, spot rebalancing opportunities, and make informed decisions without handing over assets or paying AUM fees.
For investors managing their own money
Get portfolio monitoring, rebalancing alerts, and ongoing visibility into your investments—without the complexity of spreadsheets or the cost of traditional advisory fees.
Keep more of your returns working for you
Track your portfolio, receive actionable alerts, and stay aligned with your long-term plan—all without paying a percentage of your assets every year.
The guidance you need. The control you want.
Enrich helps you monitor and maintain your portfolio with smart alerts and portfolio insights, so you can stay invested without ongoing AUM fees.

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Deciding how to manage your money might be one of the most important financial choices you'll make. This article looks at each option to help you make an informed decision and take confident control of your financial future.

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1 - Investment recommendations and tax-loss harvesting alerts do not eliminate the risk of investment loss, and outcomes may be impacted by market volatility, execution quality at your brokerage, and changes in tax laws or regulations. Recommendations are generated based on the information and preferences you provide and may not be appropriate for every situation or result in improved performance or reduced taxes
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2 - A flat subscription fee for our service does not include costs charged by your brokerage firm (such as trading commissions, fund expenses, or account fees), nor does it consider any tax impact from trading activity in your accounts. You should also consider that subscriptions renew unless canceled, and our tools may recommend actions that increase transaction costs or taxes depending on your personal situation
Enrich Finance, LLC is an SEC-registered investment adviser (CRD #337784). Registration with the SEC does not imply any level of skill or training.
Investment advisory services are provided only to users who become clients pursuant to a written agreement. See our Form ADV Part 2A Brochure and Privacy Policy for more information. View our disclosures, terms, and forms here. This website is intended for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment advisory services in any jurisdiction where such offer or solicitation would be unlawful. Services are intended for U.S. residents only.
1 - Past performance is not a guarantee, or reliable indicator, of future results; future returns and risk may differ materially from those shown.
1 - Tax optimization and rebalancing features do not guarantee improved performance or reduced taxes and may result in higher transaction costs, different tax outcomes, or realized losses depending on your specific situation. Recommendations and trade instructions are based on current laws and data you provide and may be affected by market volatility, changes in tax rules, or how and when you choose to implement them.

2 - This statement reflects our general philosophy and is not a guarantee that our services are safer or superior to other options, nor that they are suitable for every investor or situation. Investors should carefully consider their own goals, risk tolerance, and circumstances, and understand that all investing involves the risk of loss, including loss of principal
1 - Tax optimization and rebalancing features do not guarantee improved performance or reduced taxes and may result in higher transaction costs, different tax outcomes, or realized losses depending on your specific situation. Recommendations and trade instructions are based on current laws and data you provide and may be affected by market volatility, changes in tax rules, or how and when you choose to implement them.

2 - This statement reflects our general philosophy and is not a guarantee that our services are safer or superior to other options, nor that they are suitable for every investor or situation. Investors should carefully consider their own goals, risk tolerance, and circumstances, and understand that all investing involves the risk of loss, including loss of principal

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