About Deep Money Minds

Hi, I'm Kuldeep

Kuldeep Singh is a personal finance content creator and developer building free, data-driven tools for Indian investors. He covers SIPs, mutual funds, goal-based investing, and financial independence planning on Deep Money Minds.

I started Deep Money Minds in 2024 because most money advice in India is either jargon or a sales pitch. Hidden fees, misleading calculators and "guaranteed" returns cost ordinary investors real money. I'd rather show the actual numbers — and where I can, I put my own money on the line first, from testing digital gold spreads to tracking minimum brokerage charges.

What you'll find here

• Free finance tools — SIP, lumpsum, EMI and goal calculators, a mutual fund backtester, fund comparer, portfolio builder, fund cost screener and more. No sign-up, no paywall.
• Articles in English and Hindi — plain-language breakdowns of fees, taxes, fintech products and the traps behind them.
• YouTube videos — the same ideas, explained on screen.

Built on real data

The tools run on official public data: daily NAVs from AMFI for every live mutual fund plan, stock prices and corporate actions from NSE, and fund portfolios published by the fund houses. We keep this data in our own databases and refresh it every day, so backtests use actual history — not an assumed 12% a year.

How the site is funded

Deep Money Minds is free to use. It is funded by ads (Google AdSense) and a small number of affiliate links. Neither changes what our tools calculate or what we write — we criticise products whether or not we earn from them. See the Affiliate Disclosure.

Education, not advice

I'm not a SEBI-registered investment adviser. Everything here is for education — please read our Terms & Disclaimer and make decisions that fit your own situation.

Get in touch

Email kuldeep@deepmoneyminds.com or find me on YouTube, Instagram, LinkedIn, X and Facebook. More on the Contact page.