MFD Business Calculators
Purpose-built tools to plan your MFD business: trail commission projections, AUM growth scenarios, target-income reverse-engineering, and income comparisons across distribution channels.
Trail Commission Planners
Eight specialized sub-tools inside the Trail Calculator — pick the scenario that matches your question.
New SIP Trail
Start X new SIPs each month — project AUM buildup and trail income over N years.
Lump Sum Trail
A one-time lump sum placement — watch it compound and pay trail for the holding period.
SIP Book Growth
Your existing SIP book + new SIPs added monthly — see how the book compounds.
Pure AUM Growth
Your current book with zero new additions — pure market-driven trail escalation.
Full Income Projection
AUM + SIP book + new SIPs + lump-sums combined — the complete business view.
Target Income Reverse-Calc
Want ₹1 lakh/month trail? Reverse-engineer the AUM & client count needed.
Insurance vs MF Commission
Traditional insurance first-year commission vs MF 10-year trail — eye-opener.
Sub-Broker / Agency Scale
Hire sub-brokers, split commissions, scale your agency — project the net income.
Advanced Trail (Pro)
SIP for 5 years, then let it ride — decoupled SIP & projection periods, client retention %, and trail rates that glide down every 5 years.
Business Planning Tools
Beyond trail projections — model GST liability, per-client LTV, cost margins, business valuation, retention impact, and NFO trade-offs.
GST on Brokerage
Compute 18% output GST on trail commission, claim Input Tax Credit on GST-invoiced business expenses, and see net take-home.
Client Lifetime Value
Per-client trail over their investment journey + LTV/CAC ratio for sustainable campaign-level client acquisition.
Cost-to-Commission Ratio
Operating costs (office, staff, software, marketing) vs trail income — see your true profit margin after GST & tax.
MFD Business Valuation
Estimate what your book is worth today using 3 methods — income multiple, % of AUM, and DCF. Typical range: 2–5× annual trail.
SIP Renewal & Churn
Forecast trail impact at different retention rates (85-98%) — retention is the single biggest unheralded lever of MFD profits.
NFO Incentive Tracker
Model NFO trail vs existing-fund trail. See whether higher year-1 rates actually add up over the full holding period.
Book Mix & Blended Trail Rate
Enter AUM by category and discover your TRUE blended trail rate — then test what shifting the mix does to your income.
MFD Retirement & Succession
Your trail book is your pension. Model active years → harvest years, and compare selling the book vs keeping it for the annuity.
Team & Branch Economics
Present book + fresh business per RM, salary hikes, insurance cross-sell — the complete 5-year firm P&L.
Business Setup Planner
Starting out? Build for 5 years — MF trail + other-segment income vs growing opex, breakeven year, and the income that keeps coming after.
MFD Tools Disclaimer: These calculators are for business-planning purposes only. Trail commission rates are indicative and vary by AMC, scheme and plan type. Actual income depends on the specific schemes distributed and is subject to change by AMCs. Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. AMFI Registered Mutual Fund Distributor and SIF Distributor; APMI Registered PMS Distributor | ARN-286886