Calculators
Run the numbers before you commit to anything
Twelve free calculators for the things people actually ask us about — a SIP, a loan instalment, a fixed deposit, how much life cover a family needs, how large a retirement corpus has to be. Every one of them states what it assumed to reach its answer.
Investing
What a monthly SIP or a one-time investment could grow into.
SIP Calculator
See what a fixed monthly investment could grow into over time, and how much of that is your own money.
Open calculatorStep-Up SIP Calculator
Increase your instalment by a set percentage every year and see how much difference it makes.
Open calculatorLumpsum Calculator
What a single one-time investment could be worth after a number of years.
Open calculatorSWP Calculator
Draw a monthly income from a corpus and see how long it lasts once growth is taken into account.
Open calculatorCAGR Calculator
Turn a start value, an end value and a holding period into a comparable annual return.
Open calculatorPlanning a goal
Work backwards from the amount you need to the amount you save.
Deposits and small savings
Fixed deposits, recurring deposits and PPF, at the rate you are offered.
FD Calculator
What a fixed deposit matures to, with the compounding frequency your bank actually uses.
Open calculatorRD Calculator
Monthly deposit into a bank RD, using the quarterly-compounding method banks apply.
Open calculatorPPF Calculator
Fifteen years of Public Provident Fund contributions at the rate you enter, with the year-by-year balance.
Open calculatorBorrowing
What a loan actually costs you.
Protection
How much life cover a family genuinely needs.
How to use them
A calculator is a starting point, not a decision
These tools do arithmetic on the numbers you type. Used well, they turn a vague worry into a specific figure you can act on. Used badly, they turn an optimistic assumption into false confidence.
Run the pessimistic case too
Whatever return you assumed, run it again two or three percentage points lower. If the plan only works at the optimistic rate, it is not a plan — it is a hope.
Never plan in today's prices
A goal that costs ₹20 lakh today will cost considerably more by the time you get there. Every calculator here that deals with a future goal inflates it for exactly this reason.
Nothing here deducts tax or charges
Expense ratios, exit loads, stamp duty, TDS and capital gains tax all reduce what actually reaches your hand. The figures shown are gross, and we will tell you what applies to your case.
Match the money to the timeline
Money needed inside three years does not belong in equity, whatever the expected return looks like. A calculator cannot make that judgement for you.
Your numbers stay on your device
Every calculation runs in your browser. Nothing you type into a calculator is sent to us, stored or logged — the only details that reach us are the ones you deliberately put in an enquiry form.
Then check it with a person
Send us what you worked out. Naveen Kumar Pandey will tell you honestly whether it holds up, including when the answer is that you do not need the product.
Not sure which one you need?
Tell us what you are trying to work out — a school fee eight years away, whether a loan is affordable, how much cover your family needs — and we will point you at the right tool, or simply do the sum with you.
Ready when you are
Ready to act on the number?
We will explain the product behind it in plain language — including how we are paid on it.