Planning your finances starts with the right numbers. Use our free financial calculators to model your investments, compare returns, plan EMIs, and make informed decisions about your money. Every calculator is designed specifically for Indian investors with relevant tax rules, interest rates, and practical examples.
Investment Calculators
SIP Calculator
Plan your Systematic Investment Plan with precision. Enter your monthly investment amount, expected return rate, and investment duration to see how your wealth grows through the power of compounding. See the year-by-year breakdown of invested amount versus growth. Perfect for setting monthly investment targets aligned with your financial goals — whether it is building an emergency fund, saving for a home down payment, or creating a retirement corpus.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment. Enter the initial value, final value, and time period to instantly get the annualized return. Use it to evaluate past investments — how did your mutual fund actually perform? Compare returns across stocks, mutual funds, gold, real estate, and fixed deposits on an equal annual basis. Essential for every investor who wants to measure and compare performance accurately.
Lump Sum Calculator
Model the growth of a one-time investment over time. Whether you received a bonus, inheritance, or have surplus savings, this calculator shows exactly how your lump sum grows at various return rates across different time periods. Compare lump sum investing with SIP to understand the tradeoffs. Useful for planning one-time investments in mutual funds, stocks, or fixed deposits.
Loan & EMI Calculators
EMI Calculator
Calculate your Equated Monthly Installment for home loans, car loans, personal loans, and education loans. Enter the loan amount, interest rate, and tenure to see your exact monthly payment, total interest payable, and a complete amortization schedule. Compare different loan offers by adjusting interest rates and tenures to find the most affordable option. An essential tool before taking any loan — know exactly what you are committing to.
Savings & Fixed Income Calculators
PPF Calculator
Plan your Public Provident Fund investments with accuracy. PPF is one of India’s safest investment options with guaranteed returns and tax-free maturity. Enter your annual contribution to see year-by-year growth over the 15-year tenure, including the impact of partial withdrawals and extensions. Compare PPF returns with NPS and ELSS to optimize your tax-saving investments under Section 80C.
FD Calculator
Calculate Fixed Deposit maturity value and interest earned. Enter your deposit amount, interest rate, and tenure to see returns with both simple and compound interest options. Compare FD returns across different banks and tenures. Understand the after-tax returns — since FD interest is taxable at your income slab rate, the real return is lower than the headline rate, especially for investors in higher tax brackets.
Retirement & Withdrawal Calculators
SWP Calculator
Plan your Systematic Withdrawal Plan for retirement income. SWP lets you withdraw a fixed amount from your mutual fund investment periodically while the remaining corpus continues to grow. Enter your total corpus, monthly withdrawal amount, and expected return rate to see how long your money will last. Essential for retirees who want to create a regular income stream from their mutual fund investments without depleting the corpus too quickly.
Inflation Calculator
Understand how inflation erodes your money’s purchasing power over time. Enter a current amount and see what it will be worth in future years at various inflation rates. This is a reality check for every investor — if you need ₹50 lakh for retirement today, you may need ₹2 crore in 25 years at 6% inflation. Use this calculator alongside the SIP calculator to set investment targets that account for rising costs. It is the difference between planning for nominal wealth and real purchasing power.
How to Use These Calculators Effectively
Start with the Inflation Calculator to understand your true future needs. Then use the SIP Calculator to determine how much you need to invest monthly. Use the CAGR Calculator to track your actual performance over time. Before taking any loan, run the numbers through the EMI Calculator. And as you approach retirement, use the SWP Calculator to plan your withdrawal strategy. Together, these tools give you a complete picture of your financial journey from today to retirement and beyond.
For more context on investment concepts and strategies, visit our Learn Stock Market guide and Glossary section.
Frequently Asked Questions
What return rate should I use in the SIP calculator?
For equity mutual funds and index funds, use 12% as a reasonable long-term estimate — this aligns with the Nifty 50’s historical CAGR. For a conservative estimate, use 10%. For debt funds, use 7-8%. For PPF, use the current interest rate (around 7.1%). Always plan with conservative estimates and treat any excess returns as a bonus.
Are these calculators accurate for tax planning?
These calculators show pre-tax returns. For accurate after-tax planning, remember: equity fund LTCG above ₹1 lakh is taxed at 10%, STCG at 15%, FD interest is taxed at your income slab rate, and PPF returns are completely tax-free. Factor in applicable taxes when comparing investment options. PPF and ELSS offer additional tax deductions under Section 80C.
Which calculator should I start with as a beginner?
Start with the SIP Calculator — it is the most impactful tool for beginners. Enter different monthly amounts and see how wealth builds over 10, 20, and 30 years. This visual representation of compounding is often the most motivating step for new investors. Then use the Inflation Calculator to understand why investing is necessary, not optional.
About the Author
Mithun Srivastava is the founder of MithunSrivastava.com, a free stock market education platform for Indian investors. With a passion for making finance accessible to everyone, Mithun creates practical guides, calculators, and glossary resources to help beginners start their investing journey with confidence.