Interactive · your numbers

A 2% fee doesn't sound like much.
Over 10 years, it quietly costs you lakhs.

Percentage-based AUM fees scale with your corpus — the bigger you grow, the more they take. A flat monthly subscription doesn't. Move the sliders and watch the gap compound in real time.

Your numbers

Adjust any input — the results and chart update instantly.

₹15,00,000
₹
₹1L₹1Cr₹100Cr
15.0%
%
0%25%50%
10 yrs
yr
1 yr20 yrs40 yrs
2.0%
%
0%2.5%5%
₹1,499
₹
₹499₹12,499₹24,999
After 10 years, on ₹15,00,000
Wealth saved by switching
—
—
Traditional mutual fund
—
—
MindForge flat fee
—
—
Total AUM fees drained—
Total flat fees paid—

Portfolio value over time

Mutual fund MindForge
Switch to a flat fee →

Illustration only, not investment advice or a guarantee of returns. Both scenarios assume the same gross annual return, compounded yearly; the only difference modelled is the fee structure. Real mutual-fund expense ratios, exit loads and taxes vary. Past performance does not indicate future results.

How this is calculated
Both portfolios start at your initial investment and grow at the same expected annual return, compounded once a year. The only variable is how the fee is charged:
  • Traditional mutual fund (Scenario A): the AUM fee is a percentage skimmed off the return every year, so the portfolio compounds at return − AUM fee. Because it's a percentage of your whole corpus, the rupee cost grows as you do.
  • MindForge flat fee (Scenario B): the portfolio compounds at the full return, then a fixed annual amount (monthly fee × 12) is deducted at the end of each year. The fee never scales with your corpus.
"Wealth saved by switching" is simply the difference between the two final corpuses. On smaller portfolios with a low AUM fee, a flat fee can occasionally cost more — the calculator shows that honestly.