Resources

Calculators

Quick, illustrative answers for a client meeting: what a SIP could grow to, what a goal needs, what a loan costs. Every result shows its assumptions.

Investing

SIPWhat a monthly SIP could grow to.LumpsumWhat a one-time investment could grow to.Step-up SIPA SIP that rises every year.SIP targetThe monthly SIP needed for a target amount.Step-up SIP targetThe starting SIP needed for a target, with a yearly step-up.SIP to SWPBuild a corpus with a SIP, then draw a monthly income from it.

Goals

RetirementThe corpus a retirement needs, and the SIP to get there.Child educationWhat education will cost, and the SIP to fund it.FD-based retirementHow long a fixed-deposit corpus lasts against rising expenses.

Tax

Capital gains taxTax on gains from selling equity or debt mutual fund units.

Everyday decisions

EMIThe monthly instalment on a loan, and the interest paid.Buy vs rentOwning a home against renting and investing the difference.Car vs commuteOwning a car against paying for daily travel.FD vs RDA lumpsum fixed deposit against a monthly recurring deposit.Endowment vs termAn endowment plan against term cover plus investing the difference.

SIP

What a monthly SIP could grow to.

Monthly SIP₹

Yearsyears

Expected return% a year

Illustrative

Lumpsum

What a one-time investment could grow to.

Amount invested₹

Yearsyears

Expected return% a year

Illustrative

Step-up SIP

A SIP that rises every year.

Starting monthly SIP₹

Yearly step-up%

Yearsyears

Expected return% a year

Illustrative

SIP target

The monthly SIP needed for a target amount.

Target amount₹

Yearsyears

Expected return% a year

Illustrative

Step-up SIP target

The starting SIP needed for a target, with a yearly step-up.

Target amount₹

Yearly step-up%

Yearsyears

Expected return% a year

Illustrative

SIP to SWP

Build a corpus with a SIP, then draw a monthly income from it.

Monthly SIP₹

SIP yearsyears

Return while investing% a year

Withdrawal yearsyears

Return while withdrawing% a year

Illustrative

Retirement

The corpus a retirement needs, and the SIP to get there.

Current ageyears

Retirement ageyears

Plan until ageyears

Monthly expenses today₹

Inflation% a year

Return before retirement% a year

Return after retirement% a year

Savings already set aside₹

Illustrative

Child education

What education will cost, and the SIP to fund it.

Cost today₹

Years until neededyears

Education inflation% a year

Expected return% a year

Savings already set aside₹

Illustrative

FD-based retirement

How long a fixed-deposit corpus lasts against rising expenses.

Corpus in fixed deposits₹

FD interest rate% a year

Monthly expenses₹

Inflation% a year

Illustrative

Capital gains tax

Tax on gains from selling equity or debt mutual fund units.

Asset

Purchase value₹

Sale value₹

Held formonths

Your income tax slab (debt funds only)%

Equity long-term gains already this year₹

Illustrative

EMI

The monthly instalment on a loan, and the interest paid.

Loan amount₹

Interest rate% a year

Tenureyears

Illustrative

Buy vs rent

Owning a home against renting and investing the difference.

Home price₹

Down payment%

Home loan rate% a year

Loan tenureyears

Monthly rent today₹

Rent increase% a year

Home price growth% a year

Return on investments% a year

Compare overyears

Illustrative

Car vs commute

Owning a car against paying for daily travel.

Car price (on road)₹

Down payment%

Car loan rate% a year

Loan tenureyears

Running cost a month₹

Years you keep the caryears

Resale value at the end% of price

Commute cost a month instead₹

Commute cost increase% a year

Illustrative

FD vs RD

A lumpsum fixed deposit against a monthly recurring deposit.

Monthly RD amount₹

Tenureyears

Interest rate% a year

Illustrative

Endowment vs term

An endowment plan against term cover plus investing the difference.

Endowment premium a year₹

Policy termyears

Expected maturity value₹

Term plan premium a year, same cover₹

Return on investing the difference% a year

Illustrative

Results are illustrative, based on the assumptions shown. They are not a guarantee of future returns or investment advice. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Tax figures use the rules for listed equity and debt mutual funds as of 2025-26, before surcharge and cess; check the current rules or ask a tax professional before acting.

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