Fees hide at every level — your broker, your funds, and your advisor. Enter your details and see exactly what you're paying and what it's actually costing you over time.
Why this matters: A 1% all-in fee doesn't just cost you 1% per year — it costs you the compound growth on every dollar you never received. On a $2,000/month investment over 30 years at 10% returns, going from 0% fees to 1% fees doesn't cost you $72,000 in fees paid. It costs you $859,000 in lost compounded wealth. That's the number that matters. BudgetDog's target is under 0.20% all-in.
Your investment details
Total invested per month across all accounts.
Years until retirement or your target date.
Total value of all investment accounts today.
Have multiple brokers? Run this tool once per broker and add up the results.
Level 1 — Brokerage & advisory fees
Fees charged at the account or advisor level, separate from your fund investments.
Account maintenance fee
Annual fee to maintain your brokerage account
Check your account statements or contact your broker.
Financial advisor or robo-advisor fee
Annual % of assets charged for portfolio management
Typical: 0.25% robo-advisor, 0.5–2% traditional advisor. This is usually the largest single fee in a portfolio.
Level 2 — Fund expense ratios
Your funds
Enter each fund ticker and its % allocation of your total portfolio. Allocations must add up to 100% — the calculator requires this to compute a true weighted average expense ratio.
Can't find your fund? Enter the expense ratio manually. Look it up at morningstar.com, search your ticker on Google followed by "expense ratio", or check your fund's prospectus or most recent account statement.
Load fees (front or back-end)
Sales commission on purchases or sales of fund shares
Any load fee is a red flag. Index fund investors should never pay this.
Transaction fees
Per-trade fee when buying funds outside your broker's fund family
Vanguard, Fidelity, and Schwab charge $0 for their own funds.
Bi-weekly DCA = 26/yr.
Looking up your fund fees…
Your fee audit
All-in fee breakdown
Individual fund rates show each fund's own expense ratio. The total is the weighted average across your holdings plus any advisory or fixed fees — not a sum. Enter allocation percentages per fund and your portfolio value for the most accurate result.
The real cost of your fees over time
This shows the compounded wealth difference — not just the fees paid, but all the growth you lost because those dollars were taken out instead of compounding.
Your action plan
Next step: Take these findings into your BudgetDog coaching session. Removing high fees is often worth more than increasing your contribution rate — and it's free money you keep forever.
Investment Fee Audit