Investment Calculators
20 free tools — SIP, Tax, FD, Loan, Retirement & more. No login required.
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20 Calculators
📈 Investment
🏦 Savings
💰 Tax Planning
🏠 Loans
🎯 Planning
Configure SIP
vs Fixed Deposit @ 7%
+₹0 vs FDEstimated Maturity Value
🎯 Wealth Milestones
| Year | Invested | Returns | Value |
|---|
Configure Investment
vs Fixed Deposit @ 7%
+₹0 vs FDEstimated Maturity Value
| Year | Invested | Returns | Value |
|---|
Your Goal
Quick Goals
Required Monthly SIP
0% funded by returns
Power of compounding tip
Starting early makes the biggest difference. An investor starting at 25 ends up with 2–3x more than one starting at 35 — with the same monthly SIP.
Calculate CAGR
Absolute Return
+0%CAGR (Compound Annual Growth Rate)
Invested
₹0
Final Value
₹0
Profit
₹0
—
Benchmark CAGR Ranges (India)
Loan Details
Monthly EMI
Save on interest
Paying even ₹5,000 extra per month as prepayment can reduce your loan tenure by 5–7 years and save lakhs in interest.
Your Scenario
Verdict over 20 years
🏠 Net Cost of Buying
₹0
(EMI paid − property value)
🏢 Net Cost of Renting
₹0
(rent paid − investment gains)
Break-even at year —
How this is calculated
Buy: total EMI paid − appreciated property value. Rent: total rent paid (growing 5%/yr) − returns on down payment invested in mutual funds at the return rate you set.
Your Details
Recommended Life Cover
Income Replacement
₹0
Liabilities Cover
₹0
Years Covered
0 yrs
How this is calculated
Cover = (Annual Income × Years to 60) + Liabilities − Existing Coverage. This ensures your family can replace your income until retirement age and clear all debts. Rule of thumb: minimum 10–15× annual income.
Your Finances
Home You Can Afford
Max Home Loan
₹0
Max Monthly EMI
₹0
—
How this is calculated
Max EMI = 40% of monthly income − existing EMIs (RBI guideline: total EMIs ≤ 40–50% of income). Max Loan = derived from max EMI at your rate and tenure. Home Price = Max Loan + Down Payment.
Configure Step-Up SIP
Estimated Maturity Value
Total Invested
₹0
Est. Returns
₹0
vs Flat SIP
+₹0
—
Step-up SIP works best when you increase SIP with each annual salary hike. A 10% annual step-up on a ₹5,000 SIP over 20 years can deliver 2x more than a flat SIP.
SWP Details
Corpus Lasts For
Total Corpus
₹0
Total Withdrawn
₹0
Interest Earned
₹0
—
Your Retirement Plan
Retirement Corpus Needed
Monthly SIP Needed
₹0
Monthly Expenses at Retirement
₹0
—
Corpus = future monthly expenses × 300 (25× annual expenses). Monthly SIP is then back-calculated to reach that corpus by retirement. Assumes 20 years of post-retirement life.
PPF Details
Current PPF Rate: 7.1% p.a.
Fully tax-free (EEE — exempt at contribution, growth & maturity)
PPF Maturity Value
Total Invested
₹0
Interest Earned
₹0
Wealth Ratio
0x
FD Details
Maturity Amount
Principal
₹0
Interest Earned
₹0
Effective Yield
0%
💡 FD Interest is Taxable
FD interest is added to your income and taxed at your slab rate. For 30% bracket investors, post-tax returns on FDs are lower than tax-free or ELSS mutual fund returns.
RD Details
Maturity Amount
Total Deposited
₹0
Interest Earned
₹0
Return %
0%
GST Details
Original Amount
₹10,000
GST Amount
₹1,800
CGST ₹900 + SGST ₹900
Total Amount
₹11,800
Employment Details
Gratuity Amount
Formula: (Basic × 15 × Years) ÷ 26
✅ Gratuity up to ₹20 Lakh is fully tax-exempt for private sector employees under the Payment of Gratuity Act.
Your Details
HRA Tax Exemption
per month exempt from income tax
HRA Received
₹0
Taxable HRA
₹0
Annual Saving
₹0
Minimum of: (a) Actual HRA · (b) Rent − 10% Basic · (c) 50% Basic (metro) / 40% Basic (non-metro)
Income Details (FY 2025-26)
Old Regime Tax
₹0
0% effective
New Regime Tax
₹0
0% effective
—
New Regime (2025-26): 0% up to ₹3L · 5% (₹3-7L) · 10% (₹7-10L) · 15% (₹10-12L) · 20% (₹12-15L) · 30% above ₹15L. ₹12L income = zero tax (rebate u/s 87A).
NPS Details
Total NPS Corpus at 60
Total Invested
₹0
40% Lump Sum
₹0
Monthly Pension
₹0/mo
💡 NPS Tax Benefits
₹1.5L under 80C + additional ₹50K under 80CCD(1B) = up to ₹2L tax deduction. At 30% tax slab, saves ₹62,400 in tax annually.
Your Details
Return & Inflation
Assumes life expectancy of 85 years. Pre-FIRE: equity MF. Post-FIRE: balanced portfolio.
Your FIRE Number
Total corpus needed to retire and never work again
Expenses at retirement
₹0/mo
Monthly passive income
₹0/mo
You'll FIRE at
Age —
Year —
Monthly SIP Needed
₹0
to FIRE by target age
Coast FIRE Number
₹0
Corpus to stop saving now
Retirement Duration
— years
Until age 85
🇮🇳 Why this FIRE calc is different for India
📈 Higher inflation (6.5%) — India's CPI is 2× higher than the US, so your corpus needs to be larger
🏥 Healthcare costs — Build a separate health corpus of ₹50-100L for medical emergencies
👨👩👧 Family obligations — Children's education, marriage, parents' care are unique Indian expenses
⚖️ Safe withdrawal rate — 3.5-4% (not 4%) is safer given India's higher inflation
Your Investment
Typical Indian equity MF: Direct 0.3–1.0% · Regular 1.0–2.5%.
Expense ratio is deducted daily from NAV — invisible but compounding.
Commission cost of staying in Regular plan
Adjust sliders to calculate
Direct Plan
ER: 0.50%
Regular Plan
ER: 1.50%
💡 What the commission eats
Regular plan distributors earn this commission from your returns every year.
📋 Real Expense Ratio Examples (2024)
| Year | Direct | Regular | Gap (₹) |
|---|
Investment Details
MF uses 10% LTCG (₹1L exempt). FD taxed at slab rate.
Mutual Fund
Fixed Deposit
⚖️ Break-Even Analysis
Adjust sliders to see break-even FD rate
Key Tax Facts
📈 MF LTCG: Gains above ₹1L taxed at 10% (if held >1 year). Gains below ₹1L — zero tax!
🏦 FD Interest: 100% taxable at your income slab rate (TDS deducted at 10% by bank)
⚡ Key insight: At 30% slab, FD needs to give ~14% to match a 12% MF post-tax
Learn More About Investing
* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.