RupayWise vs Zerodha SIP Calculator: Feature Comparison
Both RupayWise and Zerodha offer free SIP calculators that project mutual fund returns over time. Zerodha (Coin) is India’s largest discount broker with over 10 million active demat accounts, and their calculator suite has expanded significantly — they now offer both a basic SIP calculator and a dedicated step-up SIP calculator.
Last updated: 3 June 2026, 12:00 PM IST
Both RupayWise and Zerodha offer free SIP calculators that project mutual fund returns over time. Zerodha (Coin) is India’s largest discount broker with over 10 million active demat accounts, and their calculator suite has expanded significantly — they now offer both a basic SIP calculator and a dedicated step-up SIP calculator.
This is a comparison of calculator features, not of Zerodha’s brokerage or fund distribution platform (Coin). We are comparing the SIP calculator tool only.
Side-by-Side Feature Comparison
| Feature | RupayWise | Zerodha |
|---|---|---|
| Monthly Investment Input | Yes | Yes |
| Expected Return Rate | Yes (adjustable slider) | Yes (adjustable slider) |
| Time Period Selection | Yes (1–40 years) | Yes (1, 3, 5 year presets) |
| Expense Ratio Input | Yes — shows net-of-fee returns | No |
| Step-Up / Annual Increment | Yes (dedicated Step-Up SIP calculator) | Yes (separate step-up SIP calculator) |
| 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) |
| Year-by-Year Growth Table | Yes | Partial (annual summary) |
| Direct Fund Investment | No (calculator only) | Yes (invest via Coin) |
| Educational Content | Detailed guide with formulas + examples | Brief explanation |
Where RupayWise Stands Out
Expense Ratio Impact on Long-Term Returns
RupayWise lets you input the fund’s expense ratio and see how it erodes returns over time. On a ₹15,000/month SIP at 12% gross return over 25 years, the difference between a 0.3% expense ratio (index fund) and a 1.5% expense ratio (regular plan) is over ₹25 lakh in final corpus. Zerodha’s calculator does not capture this variable.
LTCG Tax and Inflation Adjustment
While Zerodha now offers a step-up SIP calculator, it does not factor in long-term capital gains tax on equity mutual funds (10% above ₹1.25 lakh/year) or show inflation-adjusted real returns. RupayWise’s Step-Up SIP calculator includes both, giving a more realistic picture of your purchasing power at maturity.
Flexible Time Period
RupayWise allows any period from 1 to 40 years, while Zerodha’s basic SIP calculator offers preset durations (1Y, 3Y, 5Y). For long-horizon planning (15–30 years), the ability to set an exact period matters.
Where Zerodha Excels
Platform Integration (Coin)
Zerodha’s biggest advantage is seamless integration with their mutual fund platform Coin. After calculating your SIP, you can immediately start investing in a specific fund — no need to switch apps. RupayWise is a standalone calculator platform.
Step-Up SIP (Now Available)
Unlike some competitors, Zerodha now offers a separate step-up SIP calculator that lets you model annual SIP increments. This is a meaningful addition for investors who plan to increase contributions each year.
Zero-Commission Direct Plans
Zerodha Coin offers commission-free direct mutual fund investing. The combination of a calculator + zero-commission execution is a strong end-to-end value proposition for investors who want everything in one place.
Which Calculator Should You Use?
The answer depends on your situation:
- Quick estimate + immediate investment: Zerodha’s calculator is efficient if you already use Coin and want to go from calculation to SIP in one click.
- Realistic projection: RupayWise adds expense ratio impact, LTCG tax, and inflation-adjusted output — three variables that significantly affect real-world returns over 10–25 years.
- Comparing fund costs: If you want to see how a direct plan vs regular plan (or index vs active) affects your 20-year corpus, RupayWise’s expense ratio input makes this comparison possible.
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 Zerodha, Groww, or Zerodha.
Try Our Calculators
Frequently Asked Questions
Does the Zerodha SIP calculator account for expense ratio?
No. Zerodha’s SIP calculator takes three inputs — monthly amount, expected return rate, and time period — and shows the gross maturity value without deducting any expense ratio. RupayWise’s SIP calculator includes an expense ratio input so you see net-of-fee returns.
Does Zerodha offer a step-up SIP calculator?
Yes — Zerodha now offers a separate step-up SIP calculator that lets you model annual SIP increments. However, it does not include LTCG tax computation or inflation-adjusted output, which RupayWise’s Step-Up SIP calculator does.
Which calculator gives more accurate real-world results?
Both use the same compound interest formula for basic SIP computation. RupayWise provides a more realistic projection by factoring in expense ratio, LTCG tax, and inflation — three variables that compound significantly over long horizons. A 1% expense ratio difference compounds to roughly 15–20% less wealth over 20 years.
Are both calculators free to use?
Yes. Both the Zerodha and RupayWise SIP calculators are completely free, require no registration, and work directly in the browser. Neither requires you to create an account.
Can I invest directly from RupayWise?
No. RupayWise is a standalone calculator platform and does not sell or distribute mutual funds. Many investors use RupayWise for detailed planning and then execute SIPs on platforms like Zerodha Coin, Groww, or Kuvera.
Disclaimer
This comparison is based on publicly available features of the Zerodha sip calculator as of June 2026. Features may change; check the competitor's website for the latest. RupayWise is not affiliated with Zerodha. This page compares calculator features only and does not constitute a recommendation of either platform.