Tools

Financial calculators

Each calculator runs in your browser, explains the formula it uses and states its assumptions. Nothing you type is sent to us.

Project a monthly SIP, a SIP that rises every year, or a one-time investment. Includes a year-by-year table and an inflation-adjusted value.

Withdraw a fixed or inflation-rising amount every month from a corpus and see how long it lasts and what is left.

Turn today's monthly expenses into the corpus you need at retirement, and the monthly SIP that builds it.

Find your EMI and total interest, then test a lump-sum prepayment or a higher EMI and see the interest and months saved.

Enter salary and deductions to compare tax under both regimes, including the ₹12 lakh rebate, surcharge and cess.

From capital, risk per trade and stop distance, get the quantity or number of lots, plus how a losing streak would affect your account.

Using calculators sensibly

A calculator turns assumptions into numbers. The output is only as good as the assumptions, so it helps to know which ones matter most.

The rate of return dominates long-term projections. Over 25 years, the difference between 10% and 12% a year is roughly 50% more money at the end. Test a pessimistic, a central and an optimistic rate rather than relying on one.
Returns are not smooth. Calculators assume a constant yearly return. Real equity returns swing widely from year to year; a SIP's final value depends on the path, especially in the last few years. Our NIFTY 50 SIP data study shows what that looks like in practice.
Inflation quietly halves money. At 6% inflation, prices double in about 12 years. Always look at the inflation-adjusted figure for goals more than a few years away.
Tax and costs come out of returns. An expense ratio of 1% a year, or tax on gains, can reduce a long-term result by a fifth or more. See direct vs regular mutual funds.

Calculators are for education and planning. They are not a guarantee of returns or tax liability. Read our disclaimer.