Investing
What a mutual fund actually does
Pooled investing, NAV, expense ratios and why fund categories behave differently. With an SIP calculator you can change.
Read the guide →Independent financial education · India
Learn how money works before someone sells you something.
Plain-language guides to mutual funds, markets, credit and personal finance — written for people with no finance background. Every number shows the assumption behind it.
Before you read anything here
What this is
- Free explanations of how financial products work.
- Calculators that show every assumption.
- Written by an Alice Blue authorised person.
What it isn’t
- Not investment advice, and not personalised to you.
- No stock tips or buy/sell calls.
- Not a SEBI Investment Adviser or Research Analyst.
Sathya Sankar is an Authorised Person of Alice Blue Financial Services (P) Ltd — SEBI Reg. INZ000156038, partner code SKEL577, since January 2024.
No tips, ever
No stock recommendations, no target prices.
No account needed
Nothing to sign up for. No data collected.
Assumptions shown
Every projection states what it assumed.
Start here
All guides →Planning
The number you are actually aiming for
The Rule of 25, the 4% withdrawal rule, and an eight-stage ladder from paycheque-to-paycheque to independent.
Read the guide →Debt
Ten money mistakes that cost the most
The minimum-due trap, mixing insurance with investment, and eight more — each with the habit that replaces it.
Read the guide →Foundations
A five-minute financial health check
Cash flow, emergency buffer, debt load, protection and investing discipline. Runs in your browser; nothing is sent anywhere.
Take the check →Markets
Demat and trading accounts explained
What each account holds, the charges worth reading before you sign, and what the KYC steps actually involve.
Read the guide →Published daily
New explainers, twelve languages
One new guide every day, published in Hindi, Tamil, Telugu, Bengali, Marathi and seven more.
Calculators that argue with themselves
Most SIP calculators hide the return they assumed. Ours put it next to the answer, so you can change it and watch the number move.
Open the SIP calculator Monthly investment ₹15,000
For 15 years
Could become ₹75.7 L
Assumes
12% p.a. nominal return, uninterrupted monthly investing, starting from zero. Not a
forecast. Real returns vary and can be negative.
Paid partner link · we receive a share of brokerage
When you are ready to open a demat account
We are an authorised person of Alice Blue and are paid a share of brokerage when an account is opened through our link. It does not change what you pay, and it does not decide what we write.
Open an account on Alice Blue’s website →
You will leave The MoneyGoal and continue on ekyc.aliceblueonline.com.