Mutual Fund Commission Impact Calculator
Visualize the hidden cost of trailing commissions on your SIP investments over time. Compare Direct vs Regular fund growth with daily compounding accuracy.
Simulation Parameters
Total Wealth Lost to Commissions
₹0
0% of Direct Fund Corpus
Equivalent to X months of final SIP
Macro View: Simulation Summary
Total Principal Invested
₹0
Regular Fund Corpus
₹0
Direct Fund Corpus
₹0
Micro View: Month-by-Month Breakdown
Click a year to expand
| Period | SIP Amount | Direct Fund | Regular Fund | Commission Lost |
|---|
Calculation Methodology
Daily Compounding Engine
Uses daily iteration (not monthly approximation) for precise NAV
drag simulation. Daily rates derived from annual rates:
rd = (1+CAGR)^(1/365)-1,
cd = Drag/365.
SIP Timing & Step-Up
SIP added on 1st of each calendar month. Annual step-up applied every 12 months. Commission drag applied daily on the full AUM (trailing commission model).
Indian Number Formatting
All currency displayed in Indian numbering system (lakhs/crores) with ₹ symbol. Example: ₹1,00,000 = 1 Lakh, ₹1,00,00,000 = 1 Crore.
Assumptions
365-day year, no exit loads, no transaction costs, constant CAGR & drag. Real returns will vary. This illustrates the mathematical impact of expense ratio differentials.