What it does
Estimates the future value of a monthly SIP and splits the outcome into invested amount and growth. This matches the common SIP return flow used on calculator portals.
Financial Calculators
15 professional calculators for all your financial planning needs. Select one from the sidebar.
📈 SIP Return
📊 SIP Step-Up
🎯 Target SIP
💰 Lumpsum Return
☂️ Retirement
🎓 Education
₹ Crorepati
💸 SWP
🔄 STP
🏢 Loan EMI
📈 Asset Allocation
All SIP calculations use the correct effective monthly compounding rate: r = (1 + annual%/100)^(1/12) - 1 for accurate projections.
SIP Return Calculator
Uses effective monthly compounding for accurate results
Effective monthly rate = (1+r/100)^(1/12)-1
Result Summary
Total Invested-
Estimated Returns-
Future Value-
SIP Return
This is a plain SIP growth view: you invest a fixed amount every month, and the calculator shows how that stream can grow over time.
Formula
Future value is calculated using the effective monthly rate, not a flat annual division. That keeps the projection closer to real monthly compounding.
How to use it
- Enter the monthly SIP amount.
- Set the number of years.
- Enter the expected annual return and calculate.
Chart view
The chart compares total invested amount versus estimated returns and the final corpus.
SIP with Annual Increase
Step-up your SIP each year as income grows
Result Summary
Total Invested-
Returns Generated-
Future Value-
Annual Increase
This version lets the SIP rise each year, which is useful when income grows and contributions can grow with it.
What it does
Projects a step-up SIP where the contribution increases by a fixed percentage every year.
Formula
Each year’s SIP is stepped up, then compounded monthly at the expected rate to estimate the final corpus.
How to use it
- Set the initial monthly SIP.
- Choose the annual increase.
- Enter the duration and expected return, then calculate.
Chart view
The chart shows how incremental SIP growth can magnify the final corpus versus total invested money.
Goal-Based SIP Top-Up
Find the right SIP+step-up combo to hit your goal
Result Summary
Required Initial Monthly SIP-
Total Invested-
Returns-
Goal Amount-
Goal Based Top-Up
This calculator works backward from a goal and helps estimate the starting SIP needed when you also plan annual top-ups.
What it does
Finds the initial monthly SIP required to target a future corpus with annual SIP step-ups.
Formula
The goal amount is discounted using the expected return and the SIP is iteratively adjusted until the target is met.
How to use it
- Enter your goal amount.
- Choose years, return expectation, and step-up rate.
- Review the initial SIP and total contribution required.
Chart view
The chart shows the invested amount against the target and the projected gain.
Target Amount - SIP Calculator
Find the monthly SIP needed to reach your corpus
Result Summary
Required Monthly SIP-
Total Invested-
Returns-
Target Value-
Target SIP
This one answers a familiar question: how much should you invest every month to reach a target corpus by a chosen date?
What it does
Calculates the monthly SIP needed to reach a target amount.
Formula
The target future value is converted into an equivalent SIP at the expected return.
How to use it
- Enter the target amount.
- Select the investment horizon.
- Add return assumptions, then calculate.
Chart view
The chart highlights how much of the final amount comes from your contributions and how much comes from growth.
Target Amount - Lumpsum Calculator
How much to invest today as lumpsum to reach your target
Result Summary
Lumpsum Required Today-
Returns Generated-
Target Value-
Target Lumpsum
Use this when you already have money in hand and want to know the one-time investment required today to reach a future amount.
What it does
Back-solves the single lumpsum needed now to meet a future goal at the expected return.
Formula
Present value is found by discounting the future target at the assumed annual return rate.
How to use it
- Enter the future target amount.
- Set the years to goal.
- Add the expected return and calculate the lumpsum.
Chart view
The chart compares the lumpsum required today with the future target amount.
Lumpsum Return Calculator
Calculate growth of a one-time investment
Result Summary
Amount Invested-
Returns Earned-
Expected Corpus-
Lumpsum Growth
This is the classic one-time investment projection. It shows how a single amount can grow over the chosen period.
What it does
Estimates future corpus, total gain, and the split between invested capital and growth.
Formula
Future value is calculated by compounding the principal annually at the selected return rate.
How to use it
- Enter the investment amount.
- Set the number of years.
- Choose the expected return and calculate.
Chart view
The chart shows principal versus growth, making the compounding effect easy to read.
SWP - Systematic Withdrawal Plan
Track corpus balance with monthly withdrawals
Result Summary
Starting Corpus-
Total Withdrawn-
Interest Earned-
Remaining Balance-
SWP
A systematic withdrawal plan is the opposite of SIP: instead of building a corpus, you are taking money out in a disciplined way.
What it does
Tracks how a corpus behaves when a fixed monthly withdrawal is made while the remaining balance still earns returns.
Formula
Each month the withdrawal is reduced from the corpus, then the remaining amount is grown at the monthly return rate.
How to use it
- Enter the starting corpus.
- Set the monthly withdrawal.
- Choose the return and duration, then calculate.
Chart view
The chart shows how much balance remains after withdrawals and compounding.
STP - Systematic Transfer Plan
Model fund-to-fund transfers and track portfolio
Result Summary
Remaining in Source-
Target Fund Value-
Total Portfolio Value-
STP
An STP helps shift money from one fund bucket to another over time, which is often used to move from debt to equity gradually.
What it does
Models a transfer from the source fund to the target fund and tracks the value in both legs.
Formula
The source corpus is reduced by monthly transfers while both funds continue compounding at their respective return rates.
How to use it
- Enter the source corpus.
- Add the monthly transfer amount.
- Set both return assumptions and the transfer period.
Chart view
The chart compares remaining source balance with the growing target fund value.
Retirement Planning Calculator
Calculate the monthly SIP needed for a comfortable retirement
Result Summary
Years to Retirement-
Monthly Expense at Retirement-
Corpus Needed-
Monthly SIP Required Now-
Retirement Planning
This calculator is built to estimate the corpus and SIP needed for life after work, taking inflation and post-retirement return into account.
What it does
Estimates future monthly expenses, corpus required, and the monthly SIP needed to fund retirement.
Formula
Future expenses are inflated to retirement age, then the retirement corpus is calculated based on life expectancy and post-retirement growth.
How to use it
- Enter current age and retirement age.
- Add monthly expenses and inflation.
- Set investment and post-retirement returns, then calculate.
Chart view
The chart presents the retirement corpus requirement against the investing effort needed to reach it.
Children's Education Planner
Plan your child's higher education fund with inflation
Result Summary
Years to Education-
Future Cost of Education-
Required Monthly SIP-
Lumpsum Required Today-
Education Planning
This planner translates today’s education cost into a future education fund requirement and shows what you need to save each month.
What it does
Projects the future cost of education using inflation, then estimates the SIP and lumpsum needed to fund it.
Formula
The present cost is inflated to the education year, then discounted against investment returns to derive funding needs.
How to use it
- Enter your child’s age and education start age.
- Add the current cost of education.
- Set inflation and return assumptions, then calculate.
Chart view
The chart compares the future education need with the funding path required to reach it.
Become a Crorepati Calculator
Find your monthly SIP to reach ₹1 Crore or any target
Result Summary
Monthly SIP Required-
Total You Invest-
Market Returns-
Target Achieved-
Become a Crorepati
A simple wealth milestone calculator: it shows the SIP required to reach a chosen wealth target by a chosen age.
What it does
Calculates the monthly SIP needed to build a target corpus, usually framed around a ₹1 crore milestone or any custom amount.
Formula
The target wealth amount is inflated to the future date and then converted into a required SIP at the expected return.
How to use it
- Enter the target amount.
- Choose your timeframe.
- Add return assumptions and calculate the SIP path.
Chart view
The chart shows contributions versus growth toward the wealth milestone.
Goal Setting Calculator
Plan any financial goal with inflation adjustment
Result Summary
Inflation-Adjusted Goal Cost-
Monthly SIP Required-
Lumpsum Required Today-
Goal Setting
This tool converts any future goal into a funding target after inflation, then estimates both SIP and lumpsum support.
What it does
Projects a goal’s future cost and shows monthly SIP and lumpsum options to fund it.
Formula
Current goal cost is inflated over time, then discounted by the investment return to estimate the required savings strategy.
How to use it
- Enter the current cost of the goal.
- Set years, inflation and return.
- Review the inflation-adjusted cost and funding amounts.
Chart view
The chart gives a visual split between required funding and the goal value.
Asset Allocation Calculator
Find the ideal equity/debt/gold mix for your profile
Result Summary
Equity (Mutual Funds/Stocks)-
Debt (Bonds/FD/Liquid)-
Gold (ETF/SGB)-
Total Portfolio-
Asset Allocation
A profile-based allocation helper that suggests a mix across equity, debt and gold using age and risk appetite as inputs.
What it does
Suggests a diversified allocation across equity, debt, and gold based on age and risk profile.
Formula
Allocation bands are derived from the investor profile and then applied to the investment amount.
How to use it
- Enter your age.
- Choose a risk profile.
- Add the total amount to allocate and calculate the mix.
Chart view
The chart shows the proposed portfolio split across asset classes.
Present Value of Future Corpus
Understand what your future money is worth today after inflation
Result Summary
Future Value-
Present Value (Today's Worth)-
Eroded by Inflation-
Present Value
This shows what a future amount is worth today after inflation has done its quiet little damage.
What it does
Discounts a future corpus back to today’s value using the chosen inflation rate.
Formula
Present value equals future value divided by the inflation growth factor over the selected years.
How to use it
- Enter the future amount.
- Set the number of years.
- Add the inflation rate and calculate the present worth.
Chart view
The chart highlights the erosion between future value and today’s equivalent value.
Loan EMI Calculator
Calculate monthly EMI and total interest payable
Result Summary
Monthly EMI-
Total Principal-
Total Interest-
Total Payment-
Loan EMI
This panel mirrors a standard loan EMI tool: it estimates the regular monthly payment and the interest burden over the full loan term.
What is EMI
EMI means Equated Monthly Installment, the fixed payment made every month toward principal and interest together.
Formula
The EMI is derived from the loan amount, monthly interest rate, and tenure using the standard amortization equation.
How to use it
- Enter the loan amount.
- Choose the tenure.
- Add the annual interest rate and calculate the EMI, total interest, and total payment.
Chart view
The chart breaks the loan into principal versus total interest payable.