RupayWise vs ET Money SIP Calculator: Feature Comparison
Both RupayWise and ET Money offer free SIP calculators. ET Money is a popular investment platform that combines calculators with direct mutual fund investing and goal-based financial planning. Their SIP calculator is integrated into their broader investment ecosystem.
Last updated: 3 June 2026, 12:00 PM IST
Both RupayWise and ET Money offer free SIP calculators. ET Money is a popular investment platform that combines calculators with direct mutual fund investing and goal-based financial planning. Their SIP calculator is integrated into their broader investment ecosystem.
This comparison focuses on the SIP calculator features, not ET Money’s portfolio management or fund distribution services.
Side-by-Side Feature Comparison
| Feature | RupayWise | ET Money |
|---|---|---|
| Monthly Investment Input | Yes | Yes |
| Expected Return Rate | Yes (adjustable) | Yes (adjustable) |
| Time Period Selection | Yes (1–40 years) | Yes |
| Expense Ratio Input | Yes — shows net-of-fee returns | No |
| Step-Up / Annual Increment | Yes (dedicated calculator) | No dedicated step-up tool |
| Goal-Based Planning | No (calculator-focused) | Yes (link SIP to financial goals) |
| LTCG Tax Computation | Yes (in Step-Up SIP calculator) | No |
| Inflation-Adjusted Output | Yes (in Step-Up SIP calculator) | No |
| Invested vs Returns Breakdown | Yes (chart + numbers) | Yes (chart + numbers) |
| Direct Fund Investment | No (calculator only) | Yes (invest via ET Money) |
| Educational Content | Detailed guide with formulas + examples | Moderate explanation |
Where RupayWise Stands Out
Expense Ratio Modeling
RupayWise lets you input the fund’s expense ratio to see net-of-fee returns. This is critical for comparing direct vs regular plans — the difference compounds to 15–20% less wealth over 20 years. ET Money’s calculator does not include this input.
Step-Up SIP with LTCG Tax
RupayWise’s Step-Up SIP calculator models annual SIP increments and computes LTCG tax on equity gains above the ₹1.25 lakh/year exemption. This gives a post-tax, inflation-adjusted picture. ET Money does not offer a dedicated step-up SIP tool.
Where ET Money Excels
Goal-Based Planning Integration
ET Money’s strongest feature is linking SIP calculations to specific financial goals (retirement, children’s education, home purchase). This helps investors think in terms of outcomes rather than abstract numbers. RupayWise’s calculators are tool-focused, not goal-focused.
Platform Integration
ET Money lets you go from calculator to investment in mutual funds seamlessly. After calculating, you can start a SIP in a recommended fund directly. RupayWise is a standalone calculator platform.
Portfolio Tracking
ET Money provides a consolidated view of all your investments (mutual funds, stocks, NPS) with performance tracking. This end-to-end investment management is beyond what RupayWise offers.
Which Calculator Should You Use?
The answer depends on your situation:
- Goal-oriented planning: ET Money’s goal-based approach helps if you’re planning for a specific milestone (retirement, education).
- Realistic cost modeling: RupayWise’s expense ratio and LTCG tax inputs give a more accurate picture of what you’ll actually take home after fees and taxes.
- Invest immediately: ET Money’s platform integration lets you go from calculation to investment in one place.
Both tools are free, and using one does not prevent you from using the other. Many investors use RupayWise for detailed planning and then execute on platforms like ET Money, Groww, or Zerodha.
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Frequently Asked Questions
Does the ET Money SIP calculator account for expense ratio?
No. ET Money’s SIP calculator shows gross returns without deducting the fund’s expense ratio. RupayWise includes an expense ratio input so you see net-of-fee returns, which is more realistic for comparing direct vs regular plans.
Can ET Money calculate step-up SIP returns?
ET Money does not offer a dedicated step-up SIP calculator. RupayWise’s Step-Up SIP calculator models annual increments with LTCG tax and inflation adjustment.
Which platform is better for beginners?
ET Money’s goal-based approach is excellent for beginners who think in terms of ‘how much do I need for retirement?’ rather than ‘what’s my SIP return?’. RupayWise is better for investors who want detailed control over assumptions like expense ratio and tax impact.
Are both calculators free?
Yes. Both are free, work in the browser, and require no registration for the calculator features.
Disclaimer
This comparison is based on publicly available features of the ET Money sip calculator as of June 2026. Features may change; check the competitor's website for the latest. RupayWise is not affiliated with ET Money. This page compares calculator features only and does not constitute a recommendation of either platform.