Learn
Plain-language explainers, a beginner slide deck, free calculators and videos — and the Mandala features that show each idea.
Start here
Learning paths
Beginner: know your money
From a first overview to how your money is split, spread and reachable.
Planning for goals
How rising prices, regular investing and measured returns fit together.
Retirement and risk
Buckets, market falls and how a mix drifts over time.
Explainers
Understand your money
What is allocation drift?
Allocation drift is the gap that opens between a portfolio's target mix and its actual mix as prices move.
What is asset allocation?
Asset allocation is how your money is divided across kinds of assets such as equity, debt, gold and cash.
What is diversification?
Diversification means spreading money across different assets so no single one decides the whole outcome.
Liquid vs illiquid money
Liquid money can be turned into cash quickly at close to its value; illiquid money takes time or accepts a cost.
What is net worth?
Net worth is what you own minus what you owe, giving one number for your overall financial position.
XIRR vs CAGR — what is the difference?
CAGR measures growth between two dates; XIRR also accounts for when each deposit or withdrawal happened.
Plan your goals
Why goals cost more later — inflation and today's money
Inflation means the same goal costs more in future rupees, so goal targets are often stated in today's money first.
The bucket idea — money for now, soon and later
A bucket approach splits retirement money by when it will be used: near-term cash, medium-term stability, long-term growth.
SIP vs lump sum — how they differ
A SIP invests a fixed amount at regular intervals; a lump sum invests everything at once. Here is how they differ.
What is a drawdown?
A drawdown is the fall from a portfolio's peak value to a later low, before it recovers.
Free calculators
XIRR calculator
Enter dated cash flows and see the yearly rate they imply.
CalculatorSIP & goal calculator
Project a monthly SIP with a yearly step-up, or work back from a target.
CalculatorInflation calculator
See what an amount could cost later, or be worth in today's money.
CalculatorRetirement corpus calculator
Size a corpus from expenses, or see what a corpus could support.
Watch
Full walkthrough for self-directed investors
About six minutes through the app: holdings, goals, the simulator and more.
VideoProduct demo for advisers
How an advisory practice runs in Mandala, end to end.
VideoWithdrawal guardrails, explained
A long-form look at fixed versus adaptive withdrawals in RetireSmart.
VideoIntroducing Mandala Personal
A short introduction to Mandala for self-directed investors.
VideoMandala on YouTube
The full channel: walkthroughs and short explainers.
VideoMandala on Instagram
Short videos and concept cards.
For advisers
Pitch deck
An overview of Mandala for advisers and distributors.
Spec sheet
Features and data model at a glance.
Security & data trust
How client data is handled.
Pricing
Plans for practices and for self-directed investors.
Educational content only, not investment advice. Examples are illustrative, and nothing here is a recommendation to buy, sell or hold any product. Investments are subject to market risks.