Not 1%
A 1% annual fee is levied on a growing balance every year, and the dollars taken out never compound. That is why a 1% headline becomes a large share of the ending balance over a few decades. The investment calculator with fees is the page that shows the dollar gap next to a flat subscription.
Type the total: advisory fee plus fund expense ratios plus platform fees. Splitting them across three statements does not make them smaller. The 1% fee study is the 40-year version of the same arithmetic.
Flat versus a percentage
A percentage grows with the portfolio. A flat subscription does not. On a $250,000 balance, 1% is $2,500 in year one, already more than two decades of Killion’s $132 annual Pro price. That comparison is on the pricing page as well. It is arithmetic, not a recommendation to buy anything.
Inside a withdrawal rate
Fees come straight off the sustainable rate: 4% with a 1% fee behaves like 3% to the household. The 4% rule calculator has a fee field for that reason.