Direct vs Regular Plan Calculator
What the distributor commission really costs over decades — same fund, two share classes, lakhs of difference.
Formula
Identical fund, identical manager, ~1.2% TER gap — compounding turns it into 8-10% of your final corpus. The regular plan's commission flows to the distributor every year you stay invested. Direct plans plus a fee-only (flat-fee) advisor beats embedded commissions for any serious corpus.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need direct vs regular plan calculator results fast? Analysts, founders, traders and finance professionals use the Direct vs Regular Plan Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Direct vs Regular Plan Calculator
What the distributor commission really costs over decades — same fund, two share classes, lakhs of difference. Identical fund, identical manager, ~1.2% TER gap — compounding turns it into 8-10% of your final corpus. The regular plan's commission flows to the distributor every year you stay invested. Direct plans plus a fee-only (flat-fee) advisor beats embedded commissions for any serious corpus. The governing relationship is same fund, net return differs by the TER gap compounded. The Direct vs Regular Plan Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Direct vs Regular Plan Calculator
- 1Enter Monthly SIP (₹), Gross fund return (%), Direct plan TER (%), Regular plan TER (%), Period into the Direct vs Regular Plan Calculator.
- 2The result is computed automatically using same fund, net return differs by the TER gap compounded — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Direct vs Regular Plan Calculator?
- ✓Computes direct vs regular plan calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Direct vs Regular Plan Calculator?+
Direct vs Regular Plan Calculator uses same fund, net return differs by the TER gap compounded. Identical fund, identical manager, ~1. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Direct vs Regular Plan Calculator need?+
Enter Monthly SIP (₹), Gross fund return (%), Direct plan TER (%), Regular plan TER (%), Period and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Direct vs Regular Plan Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Direct vs Regular Plan Calculator?+
2% TER gap — compounding turns it into 8-10% of your final corpus. The regular plan's commission flows to the distributor every year you stay invested. Direct plans plus a fee-only (flat-fee) advisor beats embedded commissions for any serious corpus.
What is the Direct vs Regular Plan Calculator based on?+
The method follows authoritative sources: SEBI — direct plan mandate (2013); TER disclosure. The formula and references are shown on the page so you can verify and cite the result.
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