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Free · nothing is storedCalculators that show their working
Seventeen plain tools for Indian investors. Each one states the formula it uses and every assumption it makes, and none of them ask for your email.
All calculators
No calculator here matches “”. Try a word like SIP, loan, retirement or tax.
Start here
MindForge vs your fund
The only one here that does not ask you to assume a return — it uses two published ones, after each side's own tax.
Fee Calculator
What a percentage-of-AUM fee costs against a flat subscription.
Investing
SIP Calculator
What a monthly SIP grows to at a return you choose.
Step-Up SIP Calculator
A SIP that rises with your income — and what it is worth after inflation.
Lumpsum Calculator
What a one-time investment grows to, and how much of it is growth.
Goal SIP Calculator
The monthly SIP a target needs, with the goal inflated to its future cost.
SIP vs Index Calculator
Your SIP’s XIRR against the same instalments in the Nifty 50, on the same dates.
Retirement and withdrawals
Retirement Calculator
The corpus your expenses need, and the monthly SIP that builds it.
SWP Calculator
What a monthly withdrawal does to a corpus, and how long it lasts.
Step-Up SWP Calculator
A withdrawal that rises every year, and how long the corpus lasts.
Step-Up SWP with Inflation
A rising withdrawal, with every figure also in today’s money.
Deposits and savings schemes
FD Calculator
A fixed deposit’s maturity, and what it earns after tax and inflation.
RD Calculator
A recurring deposit’s maturity, interest and post-tax return.
PPF Calculator
Public Provident Fund maturity over 15 years or an extended term.
Returns, loans and prices
Every calculator here asks you to assume a return.
That assumption is the largest number in any plan, and it is the one nobody can hand you. MindForge publishes the backtest behind each of its three rules-based strategies, and the two paid ones trade in their own broker-verified Zerodha accounts — so an assumption can be checked against something.
How a month works — about ten minutes on the 1stSeventeen plain tools for Indian investors — what a SIP grows to, what a goal or a retirement needs a month, how long a withdrawal lasts, what a deposit earns after tax, what a loan costs in total, what a percentage fee quietly takes — and what switching from the fund you already hold would have changed.
How to use them together
Most plans need two or three of these, in a particular order.
- Start from the goal, not the instalment. The goal SIP calculator inflates what you want to its future cost and tells you the monthly amount it needs — which is usually larger than the number people pick by instinct.
- Check what you can actually sustain. The SIP calculator and the step-up SIP calculator price the difference between a flat instalment and one that rises with your income.
- Subtract what the loans take. An EMI is compounding pointed the other way; the interest on a long home loan is frequently of the same order as the loan itself.
- Then subtract the fee. The fee calculator compares a percentage-of-assets fee against a flat subscription over the same horizon. It is the only number in this list that is entirely within your control.
- Check the assumption against something. Every tool above asks you to pick a return. MindForge vs your fund does not: it compounds a published backtest against a real fund's published trailing return, each after its own tax, with the flat subscription taken out in rupees.
- Size the retirement, then plan the drawdown. The retirement calculator works out the corpus your expenses need and the SIP that builds it. The SWP, step-up SWP and step-up SWP with inflation calculators show how long it lasts once you start withdrawing.
- Price the safe option honestly. The FD, RD and PPF calculators show what a deposit earns after tax, and the inflation calculator what that buys.
What these tools deliberately do not do
- They do not forecast. A calculator can only compound the number you give it. Nothing here predicts a market, and a higher assumed return on the screen is not a higher return in a portfolio.
- They do not model tax or charges unless the page says so. Expense ratios, exit loads, advisory fees and capital-gains tax all come out of the figures.
- They do not keep anything. No account, no email, no analytics on what you typed — the arithmetic runs in your browser and the numbers stay there.
Questions
Are these calculators free?
Yes, and none of them ask for an email or store what you type. Every figure is computed in your own browser.
Which calculator should I start with?
If you are deciding how much to invest, start with the SIP calculator; if you are planning for retirement, start with the retirement calculator. If you are deciding what to pay for advice, start with the fee calculator — on a long horizon a percentage-of-assets fee is usually the largest controllable number in the plan. If you already hold a fund and are deciding whether to switch, start with MindForge vs your fund.
Do the results account for tax and charges?
Only where a page says so. The FD and RD calculators take out income tax at the slab you choose, and PPF interest is tax-free; everywhere else the figures are gross arithmetic on the numbers you enter. Fund expense ratios, advisory fees, exit loads and capital-gains tax all reduce what you keep, and the fee calculator exists to show how much a percentage fee compounds away.
Is any of this investment advice?
No. These are educational tools that apply standard formulas to your inputs. MindForge Capital publishes research as a SEBI-registered Research Analyst; nothing here is a recommendation to buy or sell any security.