Home Calculators MindForge vs your fund
Comparison calculatorWhat would switching from your fund have changed?
Every other calculator on this site asks you to assume a return. This one does not: it uses MindForge's published backtest on one side and a real fund's published trailing return on the other, each after its own tax — and it subtracts the MindForge subscription in rupees, every month, because a flat fee does not scale the way a percentage does.
Your numbers
Pick a strategy, then change anything; the result updates as you type.
Result
One side of this comparison actually happened. The other is a simulation.
The fund column is a real trailing return for a real Direct Plan. The MindForge column is a backtest, with every known limitation published in full — including where it flatters us. The two paid strategies also trade in their own broker-verified Zerodha accounts, which is the only part of our record we do not write ourselves.
The figures this uses
Nothing here is typed by hand. Every number below is written into this page from the same simulation output that produces the figures on the strategy pages, on every publish — so if a strategy's backtest moves, this calculator moves with it.
| Strategy | Backtest CAGR, after 20% STCG | Flat fee | Comparable fund | Its CAGR, after 12.5% LTCG |
|---|---|---|---|---|
| SmallMicro 500 | 39.6% | ₹1,499/mo | Nippon India Small Cap | 20.0% |
| LargeMidcap 250 | 29.8% | ₹999/mo | Motilal Oswal Large & Midcap | 19.5% |
| MultiAsset | 15.9% | Free | Quant Multi Asset | 22.0% |
Fund returns are Direct Plan trailing returns taken from the funds' own published pages and are already net of their expense ratio; they change over time. Shown for comparison only — not a recommendation of any fund, and not investment advice. MultiAsset is behind its comparable fund on return over this window, and that is published here rather than left out. It is built for the shallowest fall of the three, and it is free.
How this is calculated
Both sides start from the same capital, receive the same monthly addition, and run for the same number of years. From there each compounds at its own net rate, month by month:
balancenext = (balance + monthly addition) × (1 + r)1/12 − fee
where r is that side's annual rate after its own tax, and fee is the MindForge subscription in rupees — zero on the fund side, and zero for MultiAsset.
Why the fee is subtracted in rupees
A percentage-of-assets fee scales with your corpus, so it can be modelled as a haircut to the return. A flat subscription cannot: ₹1,499 a month is 12% a year of a ₹1,50,000 portfolio and 1.2% of a ₹15,00,000 one. Folding it into a rate would flatter us at small sizes and understate us at large ones, so it is taken out as money instead. That is also why the answer can favour the fund at small capital and MindForge at large — and the size where that flips is worth knowing before you subscribe.
What it deliberately does not do
- It does not forecast. It compounds two historical figures forward at a constant rate. Real returns arrive in an uneven sequence, and with money going in monthly the sequence changes the answer.
- It does not model your slab. MindForge's side assumes 20% on every profitable month with no set-off for losing ones, which is the harshest reading of the rules; the fund side assumes 12.5% once at exit. Your own position will differ.
- It does not add brokerage or slippage on your orders. The backtest charges a trading cost inside itself; what your broker charges you is between you and your broker.