Tools & calculators

Numbers that make you
think differently.

Twelve calculators. Each built to reveal something real about how compounding, time, fees, and behaviour shape wealth. All illustrative — no account required.

Popular: stock loss & drawdown recovery · CAGR · fee drag

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Math tool

CAGR Calculator

Put in start, end, and duration. Get your actual compound annual return - no guessing.

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Doubling time

Time to 100% Return

Slide the rate, watch the clock: how many years to double your money and earn a full 100% gain? Rule of 72 included.

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Mind-bender

10 · 20 · 30 Visualiser

Same capital. Three speeds. See how dramatically outcomes diverge over your investment horizon.

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Risk reality

Stock Loss Recovery

Down 20%? You need +25% to break even. Free loss recovery calculator with the drawdown formula.

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Behaviour

Cost of Panic Selling

Missing just 10 of the best market days can cut your wealth in half. This calculator shows exactly how much.

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Opportunity cost

Luxury Trap

Your ₹30L car doesn't cost ₹30L. It costs decades of compounding. Find the real price tag.

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Time is money

Cost of Starting Late

Starting at 25 vs 35 vs 45 - same SIP, same returns, wildly different destinations. Time is the only unfair advantage.

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Fee drag

Fee Destroyer

A 1% annual fee sounds harmless. Over 20 years on ₹50L, it quietly steals ₹50L+ from you.

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Routing tool

Min. Ticket Checker

Enter your investable corpus and see which Clearmind mandates are within your reach - instantly.

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Investor profiling

Risk Profile Finder

Answer 5 questions to discover your investor risk category and see which Clearmind mandates match your profile.

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Position sizing

Kelly Position Sizing

Enter win rate and reward-to-risk — get full, half, and quarter Kelly fractions from f* = (p × b − q) / b.

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Risk education

Martingale Risk of Ruin

See how doubling down on a falling stock explodes your capital exposure - and why averaging down can destroy your portfolio.

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PMS compounding

Polaris 1× → 110×

Model sequential doublings like Polaris: tax, performance fee, and 5% withdrawal each cycle - full table, same as on the PMS page.

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Retirement reality

Real Number Retirement

Project today's expenses to retirement, fund 25–30 years of withdrawals at the real rate of return, and see the SIP gap. Every formula on screen.

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Why these tools

Clarity before conviction.

Use them to stress-test assumptions - how fees erode wealth, how drawdowns bite, and how few great days actually matter.

Compounding, time, and fees

See how small changes in return, costs, or starting age move the finish line - before you commit capital.

Behaviour beats timing

Tools for panic selling, luxury spending, and late starts - where investor psychology meets arithmetic.

Illustrative, not advice

Every output is a scenario. No log-in - tune inputs, export intuition, then talk to a professional.

All calculators are illustrative only. Not investment advice. Figures do not represent Clearmind product returns or guarantees. Past performance is not indicative of future results.

Free investment calculators for Indian investors

Clearmind's calculator hub covers compounding, fees, drawdowns, behaviour, retirement, position sizing, and product eligibility — each tool is free, requires no login, and shows the maths on screen where possible.

Popular starting points

Common questions

  • What investment calculators does Clearmind offer? Clearmind offers 14 free calculators covering CAGR, time to double, compounding visualisation, drawdown recovery, panic selling cost, luxury spending opportunity cost, starting late, fee drag, minimum ticket eligibility, risk profiling, Kelly position sizing, martingale ruin risk, Polaris compounding, and inflation-aware retirement corpus planning.
  • Are Clearmind calculators free to use? Yes. All calculators on iamclearmind.com are free, require no sign-up, and are illustrative education tools — not personalised investment advice.
  • Who are these calculators built for? They are built for Indian investors comparing PMS, algo strategies, model portfolios, and long-horizon wealth decisions. Outputs use INR and common India tax or fee assumptions where relevant.

Illustrative only — not investment advice. Clearmind is a SEBI-registered Portfolio Manager and Research Analyst. Explore mandates on the PMS hub or book a call for suitability discussions.