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Practice management calculator

Advisor fee revenue calculator: AUM schedule vs flat fee

Compare yearly revenue from your client list under an assets-based fee schedule with breakpoints and under a flat fee, with the math shown.

As of Oct 20, 2026, this calculator compares the yearly revenue from a client list under an assets-based fee schedule of up to 5 bands (tiered or whole-account) with a flat fee per household, and shows the math for every client.

Nothing you enter here is stored or shared. The starting clients, schedule and flat fee are examples: replace each with your own.

Assets-based fee schedule
Flat fee to compare

How this works

  1. Each client line is a name and a balance. The balance is the last amount on the line: 850,000, $850k and 1.2M all work.
  2. Tiered schedule: each rate applies only to the dollars inside its band. On a schedule of 1.00% up to $1,000,000 and 0.80% above, a $2,000,000 balance pays $10,000 + $8,000 = $18,000.
  3. Whole-account schedule: the rate of the band the balance reaches applies to every dollar. A balance equal to the top of a band stays in that band.
  4. If you enter a minimum yearly fee per household, a household pays the larger of its schedule fee and the minimum.
  5. The flat fee is the same for every household.
  6. Revenue is for one year on the balances you enter. It ignores market moves, new and lost clients, discounts, billing timing and partial years.
  7. Break-even (tiered schedules only): the balance at which the schedule's fee equals the flat fee. Under a whole-account schedule a larger balance can pay less than a smaller one, so no single break-even exists.
  8. Nothing you enter is stored or shared.

Published fee figures for reference

Compare these with your own schedule. They are surveys of advisors, not rules or targets.

  • Advisors who charge on assets reported average fees of about 104 basis points on a $750,000 account and about 88 on a $1.5 million account. [1]
  • In a 2026 survey of 491 advisors, the average planning retainer was $6,815, the average flat fee $2,926, and the average AUM bundled fee 0.96%. [2]
  • Form ADV Part 2A Item 5 requires you to describe how you are paid, provide your fee schedule and say whether fees are negotiable. [3]

See how to price advisory services for what Form ADV Part 2A makes you disclose about fees, and the advisor capacity calculator for how many households you can serve.

Sources

  1. The fight to win unadvised clients starts with fee clarity (reporting Cerulli Associates and Marketcast data), Institutional Investor, Holly Deaton, Feb 6, 2024. Checked Oct 20, 2026.
  2. Average financial planning retainer fee surges 52% since 2023 (2026 State of Financial Planning Fees, press release), Envestnet | MoneyGuide, survey by Datos Insights, May 4, 2026. Checked Oct 20, 2026.
  3. Form ADV Part 2: Uniform Requirements for the Investment Adviser Brochure and Brochure Supplements (SEC 1707), U.S. Securities and Exchange Commission, 08-22. Checked Oct 20, 2026.

More for your practice

Practice management content is not eligible for CFP Board CE. CFP Board plans to allow up to five hours of it per cycle once its Q4 2027 changes take effect. CFP CE requirements