Robo-Advisor vs Self-Managed Calculator

Compare total fees and returns between robo-advisor and self-managed index fund portfolios.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Portfolio value ($)

Years invested

Robo advisory fee (%)

DIY fund expense ratio (%)

Expected gross return (%)

Tab to move between fields

Results

Self-managed value ($)

$230,899.00

Robo-advisor value ($)$218,399.00

Cost of robo fees ($)$12,500.00

Annual fee difference ($)$150.00

Robo + tax-loss harvesting ($)$230,899.00

Hours saved with robo600

How to Use This Calculator

Enter your starting portfolio value and the number of years you plan to invest.
Set the robo-advisor's annual fee percentage (e.g., 0.25% for Betterment or Wealthfront).
Input the average expense ratio of the index funds you'd choose for a self-managed portfolio.
Set your expected annual return before fees.
Compare Robo Final Value versus Self Final Value, and check Total Fee Cost and Hours Saved to decide which approach suits you best.

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