📈 Trail Commission Planner
You bring in fresh business every month — some SIP, some lumpsum. This works out
what that book pays you year by year, and the part no other calculator shows:
what it keeps paying after you stop working.
This is your own-earnings tool — not a way to choose a product or a scheme.
What a client is put into follows from their goal, horizon and risk profile — never from
what it pays you. Use this to plan your practice, and to answer honestly when a client
asks what you earn.
Your monthly fresh business
What you add to the book every month, for as long as you are working.
₹
What you already manage. Earns trail from month one and compounds like the rest of the book. Leave 0 if you are starting fresh.
₹
SIP instalments already arriving each month from clients you signed earlier. Keeps flowing whether or not you sign anyone new — until it attrites.
₹
Fresh SIP instalments signed this month. Each month adds another — month 12 collects twelve months' worth.
₹
Fresh one-time investments brought in each working month.
years
After this you bring in nothing new. The book keeps compounding — and keeps paying.
years
The full window, working years included.
bps p.a.
Your blended rate across AMCs and schemes. 60 bps = 0.60% of AUM a year. Rates differ by AMC and scheme — enter your own blend.
% p.a.
% / yr
SIPs that stop and money that redeems, every year. Set 0 for the dream run — but a book never keeps 100%.
TRAIL EARNED AFTER YOU STOP WORKING
₹0
This is the number no other business pays you. An insurance commission dies with
the premium term; a brokerage dies with the trade. A mutual fund book you built once
keeps paying trail on the money that stays invested — of income
on work you already finished.
The same inputs, three ways of doing business
SIP ONLY
₹0
LUMPSUM ONLY
₹0
LUMPSUM + SIP — YOUR PLAN
₹0
What if you worked a shorter span? Same monthly business, same horizon
Trail while you work
Trail after you stop
Book AUM (line, right side)
All six columns are here — swipe the table sideways · the year stays pinned
| Yr | New money in | Book AUM | Trail this yr | ≈ per month | Cumulative |
|---|
Figures are gross, before GST and TDS, and before any AMC-specific clawback rules. Trail rates differ by AMC, by scheme and over time — this applies the single blended rate you entered to every year, with one assumed return applied to every year, so no year will happen exactly as printed. Your actual payout is what the RTA statement says, not what any calculator says. This is an estimate for your own planning — not a promise, not advice, and not for sharing with investors. Mutual Fund investments are subject to market risks; read all scheme related documents carefully.