Fund Fees Calculator
Shows how an expense ratio (TER) and, optionally, an exit load eat a SIP or lumpsum over decades. The ‘gross’ path uses your headline return; the ‘net’ path compounds at return minus TER.
Calculator Universe is published by SmartAI Labs. The panel above is the interactive Fund Fees Calculator; the rest of this page is ordinary HTML so you can read how the tool works without waiting for the app to boot.
How the Fund Fees Calculator works
Shows how an expense ratio (TER) and, optionally, an exit load eat a SIP or lumpsum over decades. The ‘gross’ path uses your headline return; the ‘net’ path compounds at return minus TER.
Formula / method. Net rate ≈ (1 + r) / (1 + TER) − 1, applied monthly. Exit load is a one-time percentage on the redeemed corpus. Drag = gross FV − net FV.
When to use it. Use it before you treat a 12% ‘category average’ as yours. A 1.5% TER on a 30-year SIP is not a rounding error.
How to run a comparison
- Open Fund Fees Calculator from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
TER is constant. Direct-plan versus regular-plan differences must be typed in by you; the tool does not look up a scheme.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
Related calculators in Finance Studio
- SIP Calculator — Estimate returns from systematic monthly investments.
- Lumpsum Calculator — Calculate future wealth from one-time investments.
- Step-Up SIP Calculator — See growth with annual percentage SIP top-ups.
- SWP Calculator — Plan regular monthly income from mutual fund corpus.
- Mutual Fund Return — Calculate total returns and CAGR for mutual funds.
- Lumpsum + SIP — Combine initial capital with monthly SIP growth.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
About this page. The app panel is the interactive calculator; this HTML section is the publisher content for readers and ad-quality review. Privacy Policy · Terms & Disclaimer · About