BudgetDog Investment Fee Audit

Find every fee eating your returns

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.

Run one account at a time. Complete the audit, then click "Add to Investment Fee Summary" at the bottom. Repeat for each account.
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
This is used to label the account in your summary below.
Total invested per month into this account.
Years until retirement or your target date.
Current value of this specific account.
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% to run the audit.
TICKER
EXPENSE RATIO %
ALLOC %
Can't find your fund? Enter the ER manually. Look it up at morningstar.com, search "[TICKER] expense ratio" on Google, or check your fund's prospectus.
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 expense ratio. The total is the weighted average across your holdings plus any advisory or fixed fees — not a sum. Enter your portfolio value above for annual dollar impact.
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