Investor Zone
Financial Calculators
One hundred and five free planning tools. No sign-up, no guesswork - instant answers in Indian rupees.
Start here
Not sure how much equity you should hold?
Twelve questions give you a risk profile and a suggested equity, debt and gold split, then hand it to the Asset Allocation calculator.
Invest & Grow
Start, scale and schedule your wealth.
SIP Calculator
What a fixed monthly investment compounds into.
Open →Lumpsum Calculator
The future value of a one-time investment.
Open →Step-up SIP
Raise the SIP yearly with your increments.
Open →Crorepati Calculator
The exact month your SIP reaches 1 crore.
Open →SIP Return (XIRR)
The true annualised return on a running SIP.
Open →Goal Timeline
The month your SIP and corpus reach any target.
Open →Lumpsum vs SIP
Invest at once, or stagger it: the price of waiting.
Open →SIP + Annual Bonus
What a yearly top-up adds to a monthly SIP.
Open →SIP Pause Impact
What skipping a few instalments costs at the end.
Open →Wealth Milestones
Months to 10 lakh, 1 crore, 5 crore and beyond.
Open →Multi-Goal SIP Planner
One SIP per goal, sized to its own horizon.
Open →RD vs SIP
The same monthly amount, both paths, after tax.
Open →Returns & Concepts
Understand what returns really mean.
CAGR Calculator
Any growth story as an honest annual rate.
Open →Compound Interest
Interest earning interest, at any frequency.
Open →Simple Interest
Interest on principal alone, the baseline.
Open →Rule of 72
How fast money doubles at any rate.
Open →Real Return
Your return after inflation, the true number.
Open →Retirement & Income
Build the corpus, then turn it into income.
Retirement Calculator
Corpus needed, inflation included, and the SIP.
Open →SWP Calculator
Inflation-adjusted income and how long it lasts.
Open →NPS Calculator
Corpus at 60, lump sum and pension estimate.
Open →EPF Calculator
Your provident fund corpus, year by year.
Open →Gratuity Calculator
The 15/26 formula on your years of service.
Open →Annuity Income
Monthly income from a corpus, principal intact.
Open →VPF Calculator
Voluntary PF contributions, compounded the EPF way.
Open →Retirement Buckets
Cash, debt and growth buckets from one corpus.
Open →Annuity vs SWP
Guaranteed income, or keep the corpus.
Open →Reverse Mortgage
Monthly income from your home in retirement.
Open →Goals & Planning
Put a number and a date on what matters.
SIP Goal Calculator
The monthly SIP that reaches your target.
Open →Child Education
Future course cost and the SIP that funds it.
Open →Marriage Goal
Fund the wedding with a plan, not a loan.
Open →Home Down Payment
Save the first cheque for the future price.
Open →Emergency Fund
Your safety-net target and time to build it.
Open →Sukanya Samriddhi
A tax-free SSY corpus for your daughter.
Open →Inflation Calculator
What today's money will cost, and be worth.
Open →Government & Small Savings
Sovereign-backed schemes, computed at current rates.
PPF Calculator
The 15-year fund, year by year, tax-free.
Open →SCSS Calculator
Quarterly payouts for senior citizens.
Open →Post Office MIS
Fixed monthly income for five years.
Open →NSC Calculator
The 5-year certificate with 80C benefit.
Open →KVP Calculator
How long Kisan Vikas Patra takes to double.
Open →Loans & Deposits
The true cost of borrowing and the honest return on parking.
EMI Calculator
EMI, lifetime interest and amortisation.
Open →Loan Eligibility
How much banks will likely sanction you.
Open →Loan Prepayment
Interest saved by paying a little extra.
Open →FD Calculator
Fixed deposit maturity, quarterly compounded.
Open →RD Calculator
What fixed monthly deposits mature to.
Open →FD Ladder
Rungs maturing every year, long-tenure rates on most.
Open →Tax & Protection
Keep more, and protect what you build.
HRA Calculator
The tax-exempt slice of your rent allowance.
Open →Term Insurance Cover
The cover your family's arithmetic demands.
Open →ELSS Tax Saver
Tax saved under 80C and the corpus it builds.
Open →Capital Gains Tax
STCG or LTCG on equity, and what you keep.
Open →Home Loan Tax Benefit
24(b) and 80C deductions, and the effective rate.
Open →Human Life Value
Life cover from the present value of your income.
Open →FD vs Equity Fund
The post-tax outcome of each, over any period.
Open →Term + Invest vs Endowment
Buy term, invest the difference, compare at maturity.
Open →Health Insurance Cover
The sum insured your family needs in five years.
Open →Section 80D Deduction
Health premium deduction and the tax saved.
Open →Loans & Credit
Borrow deliberately, repay intelligently.
Car Affordability
The car budget your salary comfortably carries.
Open →Loan Tenure
How long your EMI takes to clear the loan.
Open →Balance Transfer
Whether switching lenders pays, after costs.
Open →Credit Card Payoff
Months and interest to clear a card balance.
Open →Education Loan
EMI after moratorium, interest accrual included.
Open →Debt-to-Income
The EMI health ratio lenders check first.
Open →Prepay vs Invest
The same surplus, both paths, simulated fairly.
Open →Rate Hike Impact
New EMI or longer tenure: what a rate change costs.
Open →Rent vs Buy
Two households, twenty years, your assumptions.
Open →Lumpsum Prepayment
One part-payment: shorter tenure or lower EMI.
Open →Avalanche vs Snowball
Which loan gets the extra payment, and what it saves.
Open →Flat vs Reducing Rate
What a flat rate really costs, as a reducing rate.
Open →EMI Moratorium Cost
What an EMI holiday adds to the loan.
Open →Independence & Big Goals
Name the goal, fund the gap.
FIRE Calculator
Your financial independence number, inflated honestly.
Open →Early Retirement
Years until corpus plus SIP set you free.
Open →Cost of Delay
What waiting to invest really costs.
Open →Goal SIP with Corpus
Count what you have; fund only the gap.
Open →Overseas Education
Fees inflation and rupee slide, compounded together.
Open →Vacation Fund
The trip, pre-paid by a small monthly habit.
Open →Net Worth
Assets minus liabilities: the honest scoreboard.
Open →50-30-20 Budget
Needs, wants, savings, and what the 20% becomes.
Open →Savings Rate
The ratio that sets your independence date.
Open →Coast FIRE
The corpus that retires you without another rupee.
Open →Retire Later Impact
What a few more working years do to the plan.
Open →For the Forces
The numbers behind a service career.
Terminal Benefits Planner
Your whole retirement lump sum, given a job.
Open →DSOP Fund
Your provident fund's value at hang-up-boots day.
Open →Pension Commutation
Lumpsum today vs pension slice for 15 years.
Open →EPS Pension
The pension inside EPF, by the official formula.
Open →Defence Pension Estimator
50% of basic plus MSP, with DR and family pension.
Open →Pension Gap
The corpus that covers what the pension will not.
Open →Healthcare Corpus
Medical costs in retirement, inflated honestly.
Open →Sharper Investing
Deploy, measure and defend your money.
STP Calculator
Deploy a lumpsum into equity in calm steps.
Open →Inflation-Adjusted SIP
Your corpus in today's purchasing power.
Open →Present Value
Invest how much today to hit a future target.
Open →Portfolio Return
The blended rate your mix actually earns.
Open →Gold SIP
A monthly gold habit, valued over the years.
Open →Small Savings Impact
What a daily spend compounds into.
Open →Dividend Yield
Yield and yearly income from a holding.
Open →Policy IRR
The honest annual return of a premium-payout plan.
Open →Post-Tax Return
Returns after tax and inflation take their share.
Open →Leave Encashment
The retirement value of unclaimed leave.
Open →Corpus Longevity
How long the money lasts as expenses inflate.
Open →Asset Allocation
Your equity-debt starting split, in rupees.
Open →Sovereign Gold Bond
Gold growth plus coupon: the effective return.
Open →Stock Average Price
Weighted average cost across your buys.
Open →Dividend Reinvestment
Reinvest or take the cash, year by year.
Open →Rental Yield
Gross and net yield on a property's value.
Open →Portfolio Rebalancing
The rupee moves that restore your target mix.
Open →Loss Recovery
The gain needed to recover from any fall.
Open →Sinking Fund
Annual bills turned into a monthly set-aside.
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