Calculators that show their working

Eight plain tools for Indian investors — what a SIP grows to, what a goal costs a month, what a loan costs in total, what a percentage fee quietly takes — and what switching from the fund you already hold would have changed. Each one states the formula it uses and every assumption it makes, and none of them ask for your email.

All calculators

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. SIP Calculator What a monthly SIP grows to at a return you choose. Lumpsum Calculator What a one-time investment grows to, and how much of it is growth. Step-Up SIP Calculator A SIP that rises with your income — and what it is worth after inflation. Goal SIP Calculator The monthly SIP a target needs, with the goal inflated to its future cost. EMI Calculator Home, car and personal loan instalments, and what the interest adds up to. SWP Calculator What a monthly withdrawal does to a corpus, and how long it lasts.

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.

See the strategies

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.
Plan the drawdown before you need it. The SWP calculator shows how long a corpus lasts once you start withdrawing from it.

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 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?

No. They 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.