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Calculators with their assumptions on the outside

Every one of these is a scenario under inputs you choose, not a forecast and not an offer. The most useful thing you can do with them is set the pessimistic inputs and see what still works.

Investment growth

What a regular monthly contribution compounds to over time. Useful for sizing a plan, not for predicting one.

25,000₹
0₹
11%

An assumption you are choosing, not a rate anyone is offering you.

15 yrs
6%

India's target band tops out at 6%. Set it to 0 to see the nominal figure alone.

₹1.15 Cr

What it grows to in 15 years

You will have paid in ₹45.00 L of that.

₹47.87 L

What that buys in today's money

Inflation at 6% takes ₹66.85 L of it, or 58%.

  • Portfolio value₹1.15 Cr
  • What you put in₹45.00 L
Returns are assumed to be a steady 11% every year. Real markets do not work that way — the same average delivered as a sequence of good and bad years produces a different outcome, particularly if you withdraw along the way. Both figures are before tax and before fees, which lower them further.

Sovereign Gold Bond returns

Gold appreciation plus the 2.5% annual coupon, held for the full eight-year tenor. The coupon is what separates an SGB from holding the same metal.

5,00,000₹
9,500 ₹/g

Enter the current issue or market price per gram.

8%

Gold has had multi-year periods of negative return. Try a negative value.

Why the coupon matters

The 2.5% annual interest is paid on your original investment, not on the current gold value. Over eight years it adds 20% of your starting amount regardless of what gold does — which is the whole reason an SGB can beat holding the same metal.

₹10.25 L

Held as a bond to maturity

9.39% a year, including the 2.5% coupon and the capital gains exemption at maturity.

₹9.25 L

The same gold, held as metal

No coupon. ₹1.00 L less, before storage and before the duty and GST you paid on the way in and do not get back.

Gold bought
52.6g
Coupon over 8 years
₹1.00 L
Gold value at maturity
₹9.25 L
  • Bond, all in₹10.25 L
  • The metal alone₹9.25 L
  • Coupon accumulated₹1.00 L
Assumes the bond is held for the full eight years, that gold appreciates at a steady 8% a year, and that the capital gain on redemption at maturity is exempt from capital gains tax for individual holders under current rules. The 2.5% interest is taxable as income at your slab rate and is not included in that exemption. Selling in the secondary market before maturity is taxed differently and may be at a price below fair value. Confirm your own tax position with a qualified adviser — rules change.

Mining payback

Whether a rig earns back its purchase price, given rising network difficulty and the electricity it burns every day. Both are mandatory inputs here.

6,00,000₹
200 TH/s
4.5 ₹

Look this up for today before trusting the result — it changes constantly.

3,500 W
7 ₹/kWh

Costs ₹17,899 a month to run.

2.5%

Set this to zero and the model becomes a sales pitch.

0%

Try a negative value. Falling prices are how mining ventures fail.

15%
Net over 4 years
₹-1.96 L
After power and fees, before hardware
Result after hardware
₹-7.96 L

Never

Hardware pays for itself

On these inputs it does not pay for itself within your horizon.

Month 12

Power costs more than it earns

Past that month it loses money every day it stays switched on.

  • Cumulative, after hardware₹-1.96 L
  • Revenue a month₹7,296
  • Power a month₹17,899

The dashed line is break-even on hardware. Cumulative net is plotted against its own scale, since it is a running total rather than a monthly figure.

On these inputs the hardware does not pay for itself within four years. Net income over four years after power and fees is ₹-1.96 L, against a hardware cost of ₹6.00 L.

This is a scenario, not a projection, and not an offer. It assumes difficulty rises at a steady 2.5% a month and the coin price changes at a steady 0% a month. Neither behaves that way in reality — both move in jumps, and they can move against you together. The model does not include Bitcoin's approximately four-yearly halving, which cuts mining revenue in half at a stroke; if a halving falls inside your horizon, the real outcome is materially worse than shown. It also excludes downtime, hardware failure, resale value and tax. Mined assets are virtual digital assets and are taxed at 30% plus surcharge and cess in India, with no set-off of losses.

A number in a calculator is not a return

Each of these tools compounds an assumption you supplied. Change the assumption and the answer changes completely, which is exactly why we show you the inputs instead of a single headline figure. If any firm shows you a projected return without letting you move the inputs, that is worth noticing.