Expense Ratio Calculator

How much a mutual fund's expense ratio costs you over the years: regular vs direct plan, side by side.

Extra you keep with the lower ratio
—
Value at higher expense ratio—
Value at lower expense ratio—

How to use the Expense Ratio calculator

  1. Enter monthly SIP, fund return before expenses, regular plan expense ratio, direct plan expense ratio and period.
  2. Read the extra you keep with the lower ratio at the top of the result, with value at higher expense ratio, value at lower expense ratio underneath. It updates as you type.
  3. Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.

About this tool

Expense ratios are deducted from the fund every day, so a 1% difference compounds into a large gap over decades.

Worked example

With monthly sip of ₹10,000, fund return before expenses of 13%, regular plan expense ratio of 1.6%, direct plan expense ratio of 0.6% and period of 20 years:

Extra you keep with the lower ratio₹13,34,924
Value at higher expense ratio₹92,15,172
Value at lower expense ratio₹1,05,50,095

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

What is the difference between direct and regular plans?

Same portfolio; the regular plan pays a distributor commission, so its expense ratio is higher.

What is a good expense ratio?

For index funds, under 0.3%. For active equity direct plans, typically 0.5–1%.