From SIP and EMI to smart loan-investment decisions, retirement planning, and MFD revenue modelling. The most comprehensive free calculator suite for Indian investors.
15
General Calculators
9
Smart Tools
24
Total Free Tools
MF & SIP
Loans
Savings & Tax
Retirement
SIP Returns Calculator
Estimate the future value of your monthly Systematic Investment Plan.
📈
Monthly Investment ₹10,000
Expected Annual Return 12%
Investment Period 10 Yrs
Total Value
₹23.2L
Amount Invested₹12.0L
Wealth Gained₹11.2L
Total Returns93.3%
Step-Up SIP Calculator
See how increasing your SIP annually accelerates wealth creation.
📊
Starting Monthly SIP ₹10,000
Annual Step-Up % 10%
Expected Annual Return 12%
Investment Period 10 Yrs
Total Value
₹30.1L
Total Invested₹19.1L
Wealth Gained₹11.0L
vs Regular SIP+₹6.9L extra
Lumpsum Returns Calculator
See how a one-time investment compounds over time.
💰
Investment Amount ₹1,00,000
Expected Annual Return 12%
Investment Period 10 Yrs
Future Value
₹3.1L
Amount Invested₹1.0L
Wealth Gained₹2.1L
Absolute Return210%
SWP — Systematic Withdrawal Plan
How long does your corpus last with monthly withdrawals?
💸
Initial Corpus ₹50,00,000
Monthly Withdrawal ₹30,000
Expected Annual Return 8%
Withdrawal Period 20 Yrs
Total Withdrawn
₹72.0L
Starting Corpus₹50.0L
Remaining Balance₹28.4L
Total Interest Earned₹50.4L
Goal Planning Calculator
Find the monthly SIP needed to reach any financial goal.
🎯
Target Amount ₹50,00,000
Expected Annual Return 12%
Time to Goal 15 Yrs
Required Monthly SIP
₹8,215
Target Corpus₹50.0L
Total You'll Invest₹14.8L
Market Returns₹35.2L
Home Loan EMI Calculator
Calculate your monthly home loan EMI and total interest payable.
🏠
Loan Amount ₹50,00,000
Annual Interest Rate 8.5%
Tenure 20 Yrs
Monthly EMI
₹43,391
Principal₹50.0L
Total Interest₹54.1L
Total Payment₹1.04Cr
💡 Current home loan rates: 8.4%–9.5% p.a. (March 2026)
Car Loan EMI Calculator
Calculate monthly car loan EMI and total interest cost.
🚗
Loan Amount ₹8,00,000
Annual Interest Rate 9%
Tenure 5 Yrs
Monthly EMI
₹16,607
Principal₹8.0L
Total Interest₹1.96L
Total Payment₹9.96L
Personal Loan EMI Calculator
Estimate monthly EMI and interest for personal loans.
👤
Loan Amount ₹5,00,000
Annual Interest Rate 12%
Tenure 3 Yrs
Monthly EMI
₹16,607
Principal₹5.0L
Total Interest₹97.8K
Total Payment₹5.98L
Fixed Deposit (FD) Calculator
Calculate maturity amount and interest earned on your FD.
🏦
Principal Amount ₹1,00,000
Annual Interest Rate 7%
Tenure 3 Yrs
Compounding Quarterly
Maturity Amount
₹1.23L
Principal₹1.0L
Interest Earned₹23.1K
Effective Yield23.1%
💡 Top bank rates: SBI 7.1%, HDFC 7.35%, Bajaj Finance 7.4%
Recurring Deposit (RD) Calculator
Calculate maturity value of your monthly recurring deposit.
📅
Monthly Deposit ₹5,000
Annual Interest Rate 6.5%
Tenure 3 Yrs
Maturity Amount
₹1.97L
Total Deposited₹1.80L
Interest Earned₹17.3K
Returns %9.6%
PPF Calculator
Calculate maturity amount of your Public Provident Fund. PPF is EEE — fully tax-free.
📋
Yearly Investment ₹1,50,000
PPF Interest Rate 7.1%
Tenure (min 15 yrs) 15 Yrs
Maturity Amount
₹40.7L
Total Invested₹22.5L
Interest Earned₹18.2L
💡 PPF is EEE — investment, interest, and maturity are all tax-free. Current rate: 7.1% p.a.
Tax Saving — Section 80C
Estimate tax savings through ELSS, PPF, LIC under Section 80C.
🧾
Annual Gross Income ₹15,00,000
80C Investments (Max ₹1.5L) ₹1,50,000
Other Deductions ₹50,000
Tax Saved
₹46,800
Taxable Income₹13.0L
Tax Without 80C₹2.62L
Tax After 80C₹2.16L
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment.
📉
Initial Value ₹1,00,000
Final Value ₹3,00,000
Period 10 Yrs
CAGR
11.6%
Starting Value₹1.0L
Ending Value₹3.0L
Absolute Return200%
EPF / PF Calculator
Estimate your Employee Provident Fund corpus at retirement. Rate: 8.25% p.a.
👷
Monthly Basic Salary ₹50,000
Current Age 30 Yrs
Retirement Age 60 Yrs
Annual Salary Hike 8%
EPF Corpus at Retirement
₹1.82Cr
Employee contribution12% of Basic
Employer to EPF3.67%
EPF Interest Rate8.25% p.a.
💡 EPF is EEE — tax-free if service ≥ 5 years. Employer also contributes 8.33% to EPS pension scheme.
NPS — National Pension System
Calculate NPS corpus and estimated monthly pension at retirement.
🏛️
Monthly Contribution ₹5,000
Current Age 30 Yrs
Expected Annual Return 10%
Annuity Purchase % 40%
NPS Corpus at 60
₹1.13Cr
Lump Sum (60%)₹67.8L
Annuity Fund (40%)₹45.2L
Est. Monthly Pension₹18,080
💡 NPS gives extra ₹50,000 deduction u/s 80CCD(1B). 60% lump sum is tax-free at retirement.
⚡ Advanced Intelligence Layer
Smart Financial Decision Tools
These tools answer the real questions your clients ask — loan vs invest, delay cost, education planning, FIRE number, and MFD revenue modelling. Built for advisors and serious investors.
3
Loan Tools
3
Life Goals
2
Wealth Tools
1
MFD Tool
🔴 Loan Intelligence
🟢 Life Goals
🟣 Wealth Building
🟡 For MFDs
💳
Loan Intelligence · #1
Loan Interest Neutraliser
You're paying interest on a loan. What parallel SIP recovers just the interest — or the entire P+I? Make your loan effectively free.
Loan Amount ₹20,00,000
Loan Interest Rate 8.5%
Loan Tenure 20 Yrs
SIP Expected Return 12%
Annual SIP Step-Up 10%
Total Interest on Loan
₹21.6L
💊 SIP to recover interest only₹3,240/mo
🏆 SIP to recover P + Interest₹9,580/mo
Net loan cost after SIP #1₹0 interest!
Net loan cost after SIP #2Loan is FREE
SIP corpus at end of tenure—
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🛒
Loan Intelligence · #2
Buy Now vs Invest Instead
EMI loan for a car or gadget? See the true cost versus what you'd have if you invested that EMI in an SIP instead.
Asset Cost ₹8,00,000
Down Payment ₹1,60,000
Loan Interest Rate 9%
Loan Tenure 5 Yrs
Expected SIP Return 12%
Buy on Loan
₹9.96L
Total cost incl. interest
Invest Instead
₹12.3L
SIP corpus after same period
Monthly EMI₹16,607/mo
Opportunity cost of loan₹2.34L
Break-even return needed9.0%
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🏠
Loan Intelligence · #3
Prepay Loan vs Start SIP
You have spare money. Prepay home loan (guaranteed saving) or invest in MF (market returns)? Get the definitive answer.
Outstanding Loan ₹40,00,000
Loan Interest Rate 8.5%
Remaining Tenure 15 Yrs
Lump Sum Available ₹5,00,000
Expected MF Return 12%
Prepay Loan
₹12.4L
Guaranteed interest saved
Invest in MF
₹27.4L
Projected lumpsum growth
Net gain: Prepay₹12.4L
Net gain: Invest₹22.4L
Break-even return8.5%
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📉
Life Goals · #4
Inflation Reality Check
Your ₹1 Crore corpus in 20 years won't feel like ₹1 Crore. See what your savings are really worth after inflation.
Target Corpus ₹1,00,00,000
Years to Goal 20 Yrs
Inflation Rate 6%
Expected SIP Return 12%
Real Value in Today's Money
₹31.2L
Inflation-adjusted real target₹3.21Cr
SIP for nominal target₹10,011/mo
SIP for real (inflation-adj)₹32,000/mo
Inflation drag on corpus68.8%
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🎓
Life Goals · #5
Child Education Planner
Education inflation is 10–12% in India. What will your child's degree cost — and what SIP starts today?
Quick Preset — Current Cost
Current Cost ₹5,00,000
Child's Current Age 3 Yrs
Education Starts at Age 18 Yrs
Education Inflation 10%
Expected SIP Return 12%
Education Will Cost in Future
₹32.2L
Years to plan15 years
Required SIP (flat)₹6,820/mo
Required SIP (10% step-up)₹4,210/mo
SIP if start 3 yrs late₹9,450/mo
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🔥
Life Goals · #6
Retirement Freedom (FIRE)
At your current savings rate, when can you retire? What's your FIRE number? And what SIP retires you at 45 or 50?
Current Age 30 Yrs
Monthly Expenses Today ₹60,000
Monthly Savings / SIP ₹20,000
Current Corpus ₹5,00,000
Expected Return 12%
Inflation Rate 6%
Your FIRE Number
₹3.78Cr
At current pace, retire at age47
SIP to retire at 45₹28,400/mo
SIP to retire at 50₹16,200/mo
Monthly income post-retirement₹1.26L/mo
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⏳
Wealth Building · #7
Cost of Delay Calculator
The best MFD conversion tool. Show clients exactly what every year of delay costs — in real rupees. Nothing converts fence-sitters faster.
Monthly SIP Amount ₹10,000
Expected Annual Return 12%
Investment Horizon 20 Yrs
Start Today — Final Corpus
₹99.9L
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🏆
Wealth Building · #8
Crorepati Calculator
When will you hit ₹25L, ₹50L, ₹1Cr, or ₹5Cr? Set your milestone and find the exact SIP plan with step-up.
Target Milestone
Monthly SIP ₹10,000
Annual Step-Up % 10%
Expected Annual Return 12%
Time to Hit Target
13.2 Years
Target₹1.0Cr
Total invested₹38.2L
Market returns₹61.8L
SIP at year 5₹16,105/mo
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📊
For MFDs · #9 · Exclusive
MFD Revenue & Trail Estimator
Model your AUM growth. See your monthly trail income today vs in 5 years. Plan your business expansion with conviction.