And Chelsea will not pay a penny of it.
JT was "disappointed" after the FA yesterday found him guilty of racially abusing the QPR defender.
He copped a four-game ban and an FA record £220,000 fine.
But that is only a fraction of the sum Chelsea's captain spent fighting his case.
Terry, 31, has run up legal fees estimated at £750,000 battling his criminal and FA charges.
He hopes to recoup around £400,000 from the court case, where he was found not guilty.
But the ex-England skipper is now liable to pay the costs of the FA hearing, too, said to be at least £200,000.
That brings his total bill to a whopping £770,000.
But if Terry decides to continue his fight and appeal against the FA's punishment, his legal bill will rise even further.