Financial calculators
Ten free calculators — SIP, lumpsum, step-up SIP, SWP, goal, retirement, child education, loan EMI, FD/RD and CAGR.
Read this before you use any calculator on this page. Every figure produced here is an illustration built entirely on the numbers you type in. It is not a projection, a forecast, a guarantee or an assurance of any return. Actual returns from market-linked products vary, can be negative, and depend on scheme selection, market conditions and how long you stay invested. The results ignore exit loads, stamp duty, transaction charges, GST, TDS and income tax, all of which reduce what you actually receive. Mutual fund investments are subject to market risks — read all scheme related documents carefully.
Ten calculators
Change one assumption and watch the answer move
That is the most useful thing any of these can teach you. Drag a slider, or type a number directly into the box.
Using these well
Questions people ask us about the numbers
There is no correct answer, which is exactly the point. Many people use 10–12% a year for a long-horizon equity fund, 6–8% for debt, and 6% for inflation — but these are conventions, not entitlements. Run the numbers at a lower rate as well. If the goal only works at 15%, it is not a strategy, it is a hope.
Because tax depends on your slab, the type of scheme, and how long you hold it — none of which a generic calculator can know. Equity and debt funds are taxed differently, and holding period changes the rate. Treat every figure here as before tax and costs, and speak to a tax consultant about your own position.
Then the honest options are: start with what you can, use the step-up calculator to raise it as your income grows, extend the timeline, or reduce the goal. What does not work is assuming a higher return to make the number fit. Start small — a ₹500 SIP that actually runs beats a ₹40,000 one that never begins.
No. A calculator assumes a smooth, constant rate of return. Real markets do not work that way — they deliver the same average through a series of good and bad years, and the order of those years matters, especially when you are withdrawing. Use the SWP calculator with a conservative rate for exactly this reason.
Yes. Bring your figures to us and we will turn them into a proper goal sheet — with scheme categories, risk levels, expense ratios and exit loads written next to each name. That conversation is free and carries no obligation.
Ready to put a strategy behind your money?
Sit with us for a free, no-obligation conversation about your goals — at our Indore office, or over a call at a time that suits you.
