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14 free financial calculators to plan smarter, invest wiser, and dream bigger.

📈 Mutual Funds › SIP Calculator
ⓘ Disclaimer: All calculators are for illustration purposes only. Actual returns may vary. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. These calculators do not guarantee or indicate any assured returns. Return assumptions above 12% p.a. are illustrative only and should not be construed as indicative or assured returns. | Full Disclaimer →

SIP Calculator

See how your monthly SIP grows into significant wealth through the power of compounding.

₹500₹2 Lakh
1%30%
1 Yr40 Yrs
💡 Even a ₹1,000 increase in monthly SIP can make a crore-level difference over 20 years.
Returns above 12% p.a. are for illustration only and not indicative of actual returns.

Total Corpus at Maturity

₹0

in 10 years at 12% p.a.

Total Invested₹0
Wealth Gained₹0
Growth Multiple0×

Ready to start your SIP?

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Goal SIP Calculator

Have a target corpus? Find the monthly SIP you need to start today to reach it.

₹1 L₹5 Cr
1 Yr40 Yrs
1%30%
💡 The longer your horizon, the smaller the SIP needed. Starting early is the most powerful strategy.
Returns above 12% p.a. are for illustration only.

Monthly SIP Required

₹0

to reach your target corpus

Target Corpus₹0
Total You'll Invest₹0
Markets Create₹0
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SIP + Lumpsum Calculator

Combining a one-time lump sum with monthly SIPs? See your combined total wealth.

₹10K₹1 Cr
₹500₹1 L
1%30%
1 Yr40 Yrs
💡 A one-time lump sum combined with regular SIP maximises your compounding power significantly.
Returns above 12% p.a. are for illustration only.

Total Combined Corpus

₹0

combined SIP + Lumpsum value

Lumpsum Grows To₹0
SIP Grows To₹0
Total Invested₹0
Total Wealth Gained₹0
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SIP Step-Up Calculator

Increase your SIP every year as your income grows. See the dramatic difference a step-up makes to your final corpus.

₹500₹1 L
1%30%
1%30%
1 Yr40 Yrs
💡 A 10% annual step-up can nearly double your final corpus compared to a flat SIP.
Returns above 12% p.a. are for illustration only.

Step-Up SIP Corpus

₹0

with annual step-up

Total Invested₹0
Wealth Gained₹0
Without Step-Up (flat SIP)₹0
Extra Wealth from Step-Up₹0
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Power of Compounding

See how a lump sum investment grows — Einstein called compounding the eighth wonder of the world.

₹10K₹1 Cr
1%30%
1 Yr40 Yrs
💡 At 12%, money doubles every ~6 years through compounding.
Returns above 12% p.a. are for illustration only.

Value After Growth

₹0

from ₹1L for 15 years at 12%

Amount Invested₹0
Total Growth₹0
Growth Multiple0×
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Cost of Delay

See exactly how much wealth you lose for every year you delay starting your SIP.

₹1K₹1 L
5 Yrs40 Yrs
1%30%
⏳ Every year of delay costs compounding on ALL future years — not just 12 months.
Returns above 12% p.a. are for illustration only.

If You Start Today

₹0

after full investment horizon

Start 1 Year Later₹0
Cost of 1-Year Delay₹0
Cost of 3-Year Delay₹0
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SWP Calculator

Systematic Withdrawal Plan — find out how long your corpus lasts with regular monthly withdrawals, or what you can withdraw each month.

₹1 L₹5 Cr
₹1K₹5 L
1%20%
💡 SWP is ideal for retirees needing a regular income from their mutual fund corpus without liquidating the entire investment.
Calculations are illustrative. Actual corpus duration depends on market returns which are variable.

Corpus Lasts For

0 Years

at current withdrawal rate

Starting Corpus₹0
Monthly Withdrawal₹0
Total Withdrawn₹0
Returns Earned During SWP₹0
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STP Calculator

Systematic Transfer Plan — move money from a debt fund to an equity fund in regular instalments. See the benefit of phased market entry.

₹1 L₹2 Cr
₹5K₹5 L
4%14%
6%24%
💡 STP helps you transfer a large lump sum into equity gradually, reducing the risk of entering at a market peak.
Calculations are illustrative. Actual returns from both funds will vary based on market conditions.

Final Equity Corpus

₹0

after full STP completion

STP Duration0 Months
Debt Fund Earnings During STP₹0
Total Amount Deployed to Equity₹0
Equity Fund Gains₹0
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Retirement Calculator

How much do you need to retire happily? Find your corpus target and the SIP to get there.

2255
4570
₹10K₹5 L
4%10%
5%14%
Retirement calculations are estimates based on assumed rates. Actual results will vary based on market conditions, inflation, and personal circumstances.

Corpus Needed at Retirement

₹0

to retire at 60 with today's lifestyle

Years to Retirement0 yrs
Monthly Expenses at Retirement₹0
SIP Needed Now₹0/mo
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Inflation Calculator

See how inflation silently erodes your purchasing power — and why you must stay ahead of it.

₹10K₹1 Cr
2%12%
1 Yr40 Yrs
🔥 At 6% inflation, prices double every 12 years. Your returns must beat inflation to create real wealth.

Future Value Needed

₹0

to match today's purchasing power

Today's Value₹0
Purchasing Power Lost₹0
Real Value Today₹0
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EMI Calculator

Calculate your monthly EMI for home, car, or personal loans and see the true cost of borrowing.

₹1 L₹1 Cr
5%20%
1 Yr30 Yrs
💡 0.5% lower rate on ₹30L home loan saves ₹1.5L+ over 20 years.

Monthly EMI

₹0

per month

Loan Amount₹0
Total Interest₹0
Total Payable₹0
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Insurance Need Calculator

Find your required life cover using the Human Life Value (HLV) method. Most Indians are underinsured by 5–10×.

₹3 L₹1 Cr
540
₹0₹1 Cr
₹0₹50 L
🛡️ Most Indians are underinsured by 5–10×. Know your true cover requirement.

Recommended Life Cover

₹0

Based on Human Life Value method

Income Replacement₹0
Loans + Liabilities₹0
Education + Goals₹0
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Net Worth Calculator

Your net worth = what you own minus what you owe. Track it regularly — it is the most important number in personal finance.

💰 Assets
📋 Liabilities

Your Net Worth

₹0

Total Assets minus Total Liabilities

Total Assets₹0
Total Liabilities₹0
Asset/Liability Ratio0×
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Question 1 of 6
Where are you in your investment journey?
🌿

Just Starting Out

Haven't invested much yet.

📊

Some Investments

Started but need direction.

🏢

Significant Portfolio

Large corpus, need management.

🔄

Switching Advisors

Looking for a better advisor.

Question 2 of 6
What is your primary financial goal?
🏠

Buying a Home

Building a home corpus.

🏝️

Retire Happily

A secure, happy retirement.

🏫

Child's Education

Fund child's education.

💰

Grow Wealth

Maximise long-term returns.

Question 3 of 6
What's your risk appetite?
🛡️

Conservative

Safety first.

⚖️

Moderate

Balanced approach.

🚀

Aggressive

High returns over time.

❓

Not Sure

Need guidance.

Question 4 of 6
Monthly investment capacity?
🪖

Under ₹5,000

Starting small.

💵

₹5K–₹25K

Building habit.

💳

₹25K–₹1 Lakh

Serious wealth building.

🏆

Above ₹1 Lakh

HNI investor.

Question 5 of 6
Investment time horizon?
⚡

Under 3 Years

Short term.

📅

3–7 Years

Medium term.

🌳

7–15 Years

Long term.

∞️

15+ Years

Very long term.

Question 6 of 6
Biggest financial concern?
📉

Market Volatility

Fear of losing money.

🖾

High Tax Burden

Need to optimise tax.

🏥️

Medical Costs

Inadequate health cover.

🎯

No Clear Plan

Need a roadmap.

Your Investor Profile

The Dream Builder

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