---
title: "Investment Fee Calculator | See the rupee cost of 1.8"
description: "Compare lifetime investment fees across mutual funds, PMS, and RupeeCase flat subscription. Interactive sliders for amount and horizon."
source_url: "https://www.rupeecase.com/fee-calculator"
---

[Home](/)/[Compare](/compare.html)/Fee Calculator

    Fee calculator

# What does 1.8 percent TER actually cost you?

    Expense ratios and performance fees look small as percentages. Compounded over a decade or two, they become the single largest cost of your investing journey. Move the sliders below.

        Starting amount
        ₹10,00,000

        ₹50,000 to ₹5,00,00,000

        Horizon (years)
        15 years

        1 to 30 years

        Expected return (pre-fee CAGR)
        14.0%

        6% to 20%

        Mutual Fund (active)

        1.8% TER annually

        ₹0

        Ending value ₹0

        PMS

        2% AUM + 20% over 10% hurdle

        ₹0

        Ending value ₹0

        RupeeCase

        Flat ₹4,999 / year subscription

        ₹0

        Ending value ₹0

      The difference

### Over your selected horizon, the difference between a mutual fund and RupeeCase flat fee is about ₹0.

      That is money you keep inside your compounding portfolio instead of paying to the fund.

### How this is calculated

    **Mutual Fund.** Effective CAGR = Gross CAGR minus TER. Final value = starting amount × (1 + effective CAGR) ^ years. Fee paid = gross final minus net final. A typical active equity fund TER in India ranges 1.5 to 2.25 percent; we use 1.8 percent.

    **PMS.** 2 percent management fee on average AUM each year, plus 20 percent of return above a 10 percent hurdle. We model this as an effective fee drag applied to the CAGR and compute the fee difference against an equivalent no-fee portfolio. Actual PMS fee structures vary by manager.

    **RupeeCase.** Flat ₹4,999 per year subscription (indicative). No percentage of AUM, no performance fee, no exit load. Compounds at full gross CAGR with only the subscription deducted annually at current value.

    **Assumptions:** lump sum investment, no additional contributions, no taxes (same for all three so net of tax comparison is identical), all fees deducted annually at start of year. This is an illustrative model. Your actual fees depend on your specific fund, PMS, and broker.

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