# Advisor Fee Revenue Calculator: AUM Fee Schedule vs Flat Fee

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.

As of: 2026-10-20
Address: https://advisoriq.com/practice/calculators/fee-revenue/

## Facts

- Inputs asked: Client list: one household per line, a name and a balance (up to 500); Fee schedule: up to 4 bands, each with a top balance and a yearly rate, plus a rate for balances above the last band; Method: tiered (each rate applies only to the dollars in its band) or whole-account (the band's rate applies to every dollar); Minimum yearly fee per household (optional); Flat fee per household per year
- Method: 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.; 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.; 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.; If you enter a minimum yearly fee per household, a household pays the larger of its schedule fee and the minimum.; The flat fee is the same for every household.; Revenue is for one year on the balances you enter. It ignores market moves, new and lost clients, discounts, billing timing and partial years.; 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.; Nothing you enter is stored or shared.
- Defaults note: The starting schedule, clients and flat fee are examples to replace with your own. They are not benchmarks.
- Reference points: 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.; 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%.; Form ADV Part 2A Item 5 requires you to describe how you are paid, provide your fee schedule and say whether fees are negotiable.

## Notes

- No one's inputs or results appear in this record.
- Revenue is annual on the balances entered, before discounts, billing timing and market moves.
- 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.

## Sources

- Institutional Investor, Holly Deaton: The fight to win unadvised clients starts with fee clarity (reporting Cerulli Associates and Marketcast data), checked 2026-10-20: https://www.institutionalinvestor.com/index%2Ephp/article/2ctaz879nv0iexlnncz5s/ria-intel/the-fight-to-win-unadvised-clients-starts-with-fee-clarity
- Envestnet | MoneyGuide, survey by Datos Insights: Average financial planning retainer fee surges 52% since 2023 (2026 State of Financial Planning Fees, press release), checked 2026-10-20: https://www.envestnet.com/newsroom/press-releases/average-financial-planning-retainer-fee-surges-52-2023-industry-accelerates
- U.S. Securities and Exchange Commission: Form ADV Part 2: Uniform Requirements for the Investment Adviser Brochure and Brochure Supplements (SEC 1707), checked 2026-10-20: https://www.sec.gov/files/formadv-part2.pdf

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## Cite as

AdvisorIQ, as of 2026-10-20. https://advisoriq.com/practice/calculators/fee-revenue/

License: https://advisoriq.com/license/