Monthly trading cost calculator.

Starting inputs are hypothetical: 12 orders, ₹20 brokerage, ₹5 other charges and ₹0 fixed charges. Replace them with amounts that apply to your own pattern.

Four numbers. One monthly estimate.

This calculator combines a recurring order count with your own per-order and monthly charges. It is useful when you already know the applicable amounts and want to see how the total changes as you trade more or less often. It does not look up a broker tariff or automatically decide which taxes apply.

Separate activity from account costs.

With the starting numbers, the working is 12 × (₹20 + ₹5) + ₹0 = ₹300. The ₹300 measures the charges represented by those inputs. It is not your purchase budget, the value of your holdings or an estimate of profit.

A recurring fee can remain even when you do not trade. Enter zero orders and ₹30 monthly fixed charges: the result is ₹30. By separating these inputs, you can see whether a change in the bill comes from trading activity or keeping the account.

See what changes the total.

These examples use invented plans to explain the arithmetic. They are not provider prices.

Doubling the order count doubles the activity-based part of the bill when the average per-order amounts stay the same. It does not double a fixed monthly charge. That distinction matters when comparing a low per-order price with a recurring subscription or maintenance fee.

The two plans meet at five orders: both cost ₹100 under these assumptions. Below five, Plan A has the lower modeled fee; above five, Plan B does. Use your realistic activity level rather than changing your investing pattern to reach a fee crossover.

An order is not a round trip.

A purchase and a later sale are two sides of a trade. If you expect six complete buy-and-sell cycles with one order on each side, enter twelve orders. If you make six purchases and no sales, enter six. Do not treat twelve round trips as twelve orders.

Also distinguish the order count from other charging units. A fee may depend on a sale event, security, day or account period rather than every order. To use the simplified average here, calculate the relevant total for your pattern and divide it by the executed order count. Keep that working beside your estimate so you can update it when the pattern changes. The DP guide explains why delivery-sale charging units need their own count.

Different orders can have different costs.

For mixed order sizes or segments, work out the charges for each group before using an average. Suppose four orders each cost ₹10 in brokerage and eight each cost ₹20. The brokerage total is ₹200 across twelve orders, an average of about ₹16.67. Entering ₹20 for all twelve would instead model ₹240.

Rounding the average can introduce a small difference. Use separate runs for each group when you need a closer estimate. Add each group’s variable costs, then add the account’s fixed charge once. Repeating the same monthly fixed charge in every group would overstate the combined bill.

Taxes, exchange fees, sale-related debits, subscriptions and funding costs are not calculated separately by this tool. For the defined NSE equity buy-and-sell scenario with itemized published charges, use the trade calculator inside the Zerodha–Groww comparison. That is a specific broker-pair model; this page is the simpler monthly calculator using your inputs.

Use it as a budget you can explain.

Record the expected month, order count, tariff date and fee assumptions. When your actual records arrive, compare like with like: the same period, account classification and executed activity. A model based on twelve orders will not match a month with thirty orders, and an averaged maintenance cost may not match the month in which an annual fee is collected.

If the difference is material, identify the missing line instead of simply changing the total. Was an order minimum overlooked? Was a sale-related charge spread across the wrong count? Was a fixed charge added twice? Clear input working is more useful than a precise-looking result with unknown assumptions.

Start with the applicable tariff.

Use your provider’s current pricing and account terms, then check them against records for the same kind of activity. Note the account type, segment, order value, minimums, caps and whether each amount includes applicable taxes. Provider conditions matter more than copying another investor’s total.

For the existing provider coverage, see Zerodha account and trading costs, Groww charges and demat maintenance. Those guides link to their official tariff sources. The arithmetic here uses only your entries; the examples remain hypothetical and need no live price feed.

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