Calculators

Sixteen ways to see your money's future. Every chart can switch style, show results in today's money, and be shared or downloaded.

How to get the most out of these calculators

Each calculator answers one real question families ask us — "can a SIP pay back my home-loan interest?", "should I prepay or invest?", "when will I reach ₹1 crore?". Move the sliders and the answer, the chart and the explanation update instantly.

Use honest assumptions

The result is only as good as the numbers you put in. For long-term equity goals, many planners use 10–12% as a return assumption; for debt, 6–7%. Inflation for everyday expenses is often taken at 6%, but education and healthcare costs have historically risen faster. When in doubt, choose a slightly lower return and a slightly higher inflation. A plan that works with cautious numbers has a margin of safety.

Switch on "In today's money"

A crore in 25 years will not buy what a crore buys today. Tick "In today's money" under any chart to see results adjusted for inflation. It is the single most useful switch on this page.

Change the chart to suit you

Switch between line, area and bar views, use a log scale to see early years clearly, tap a legend item to hide a line, and download the chart as an image. "Copy link" and "Share on WhatsApp" send your exact numbers to your spouse or friend.

What calculators do not show

Real returns arrive unevenly — some years up 30%, some down 20% — while a calculator assumes a smooth path. They also ignore taxes and exit loads unless stated. Use them to understand the size of a goal and the power of time, then build a real plan around it.

Where to start

Goal planner — for any single goal
Retirement corpus — the biggest goal of all
Emergency fund — before anything else
Prepay or invest? — if you have a home loan

The maths behind each calculator

Every calculator on this page uses the same plain conventions, so you can compare their answers. Returns are yearly rates converted to an equivalent monthly rate, and SIP instalments are invested at the start of each month. Loans use the standard reducing-balance EMI formula that banks use. Nothing is hidden: here is what each one does.

Home-loan interest recovery works out your EMI and the total interest over the loan, then the monthly SIP that would grow to that same amount by the time the loan closes.
SIP and step-up SIP grows each monthly instalment at your assumed return. With a step-up, the instalment rises once a year by the percentage you choose.
Lumpsum growth compounds a single amount every year: value = amount × (1 + return)^years.
Crorepati countdown projects your current savings plus your SIP month by month and finds the month the total first crosses your target.
Small habit, big money turns a daily spend into a monthly SIP and shows what it could grow to.
Cost of delay compares starting now with starting a few years later, with both plans ending on the same date.
Prepay loan or invest? puts the same extra money either into loan prepayment — closing the loan early and then investing the freed EMI — or into a SIP beside the loan, and compares what each leaves you with.
FD vs mutual fund (after tax) taxes FD interest every year at your slab rate, and taxes the fund only when sold, using the capital-gains rules for equity funds.
Old vs new tax regime applies each regime's slabs, standard deduction, rebate and 4% cess for the 2026-27 tax year to your salary and deductions.
Goal planner grows today's cost by its own inflation rate to the goal year, counts what your existing savings will grow to, and works out the SIP for the gap.
Retirement corpus inflates your expenses to retirement, then finds the corpus that can pay them — rising with inflation every year — for the years you expect to live in retirement.
Financial freedom (FIRE) sets your target at yearly expenses divided by a safe withdrawal rate (3% to 3.5% is common for India), rising with inflation, and finds the age your investments reach it.
SWP — monthly income withdraws a fixed amount every month while the rest earns your assumed return, and shows how long the corpus lasts or what is left.
Emergency fund multiplies essential monthly expenses by the months you want covered and shows how soon your monthly savings will build it.
Inflation eraser shows the future cost of today's spending and what idle cash will really buy.
What did I really earn? works out the compound annual growth rate: (final value ÷ starting value)^1/years − 1, and compares it with a fixed deposit.

A worked example you can check

A ₹50 lakh home loan at 8.5% for 25 years has an EMI of about ₹40,261 and total interest of about ₹70.8 lakh. A SIP of about ₹4,158 a month, at an assumed 12% a year, grows to the same ₹70.8 lakh in 25 years. Enter these numbers in the home-loan calculator and you will see exactly these figures — then try 10% to see how the answer changes. Our article on recovering home-loan interest explains the result and the risks.

Questions people ask about these calculators

Why does my bank's SIP calculator show a slightly different number?

Some calculators divide the yearly return by 12 to get a monthly rate, or assume instalments at the end of the month. We convert the yearly rate to its exact monthly equivalent and invest at the start of each month. Over long periods the two methods can differ by a few per cent; neither is a promise.

Are taxes included?

Only where the calculator says so — the FD-vs-fund and tax-regime calculators include tax. The others show figures before tax so the effect of time and return is easy to see.

Is any of my data saved?

No. The numbers you type stay in your browser. "Copy link" puts them in the link itself so you can share them; nothing is stored on our server.

Calculators are for illustration and education. They assume steady returns, which real markets do not deliver, and are not a promise of future returns or investment advice.

What kind of investor are you?

Six quick questions for an indicative asset mix. Your actual risk profile is assessed properly when you invest with us.