Why you do not notice it
The fee is removed inside the fund’s NAV. You do not receive a separate bill or bank debit.
Mutual fund fees · free, no sign-up
Direct vs regular mutual fund calculator
A regular plan pays distributor commission out of your returns every year, through a higher expense ratio. Enter both expense ratios and see what the gap costs over your holding period.
No AI · instant maths
AM I SECRETLY OVERPAYING?
See the quiet fee leak inside your mutual fund.
Regular and Direct plans can hold the same investments. A higher expense ratio quietly reduces your NAV and leaves less money to grow.
Same-scheme comparison Maths runs on your device No API tokens
Try a realistic exampleThen replace it with your numbers.
Your actual plan
Enter what the factsheet shows.
Expense ratio is deducted inside the NAV. Find both ratios on the AMC website or latest scheme factsheet.
The leak grows quietly
Small percentage. Bigger rupee gap.
Difference caused by expense-ratio gapProjected values are illustrations, not promised returns.
Compare the same thing
Match the same scheme, Growth or IDCW option and the latest expense-ratio date. Do not compare two different funds.
Do not switch blindly
A switch may create tax and exit-load costs. Check those first or speak with a SEBI-registered adviser.
Education, not a switch recommendation. Expense ratios can change. Verify the latest factsheet, tax impact and exit load before acting.
How this calculator works
- Both plans of a fund hold the same portfolio. The only difference is the expense ratio, the yearly fee taken out of the fund's value.
- The calculator grows your investment at the same gross return in both plans, subtracts each plan's expense ratio every year, and shows the rupee difference year by year.
- Everything runs in your browser. No fund data is fetched and nothing is stored.
A worked example
₹10 lakh growing at 12% a year for 20 years becomes about ₹96.5 lakh. At 11%, because of a 1-point higher fee, it becomes about ₹80.6 lakh. That 1% a year costs close to ₹16 lakh.
Questions people ask
Is a direct plan always better than a regular plan?
For the same fund, a direct plan costs less, so you keep more of the return. A regular plan makes sense only if you truly value the distributor's ongoing help, since you pay for it every year.
How do I find the expense ratio?
It is on the fund's factsheet and the AMC website, listed separately for the direct and regular plan. AMFI's website also publishes current expense ratios.
Can I switch from regular to direct?
Yes, but switching is a redemption and a fresh purchase, so exit load and capital-gains tax can apply. Check both before switching.
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