SIP Returns Calculator
Estimate the future value of your monthly Systematic Investment Plan.
Monthly Investment ₹10,000
Expected Annual Return 12%
Investment Period 10 Yrs
Total Value
₹23.2L
Amount Invested₹12.0L
Wealth Gained₹11.2L
Total Returns93.3%
💡 Advisory Note: SIP rewards patience. Starting just 5 years earlier can double your final corpus due to compounding. Increase your SIP by 10% annually — a ₹10,000 SIP today becomes ₹23L in 10 years, but ₹64L in 20 years at 12% return.
Step-Up SIP Calculator
See how increasing your SIP annually accelerates wealth creation.
Starting Monthly SIP ₹10,000
Annual Step-Up % 10%
Expected Annual Return 12%
Investment Period 10 Yrs
Total Value
₹30.1L
Total Invested₹19.1L
Wealth Gained₹11.0L
vs Regular SIP+₹6.9L extra
💡 Advisory Note: Step-Up SIP beats regular SIP dramatically over time. Every 10% annual increase on a ₹10,000 SIP creates lakhs of additional wealth. Best suited for salaried investors with regular salary increments.
Lumpsum Returns Calculator
See how a one-time investment compounds over time.
Investment Amount ₹1,00,000
Expected Annual Return 12%
Investment Period 10 Yrs
Future Value
₹3.1L
Amount Invested₹1.0L
Wealth Gained₹2.1L
Absolute Return210%
💡 Advisory Note: Lumpsum works best when deployed during market corrections. For long horizons (10+ years), equity mutual funds have historically delivered 12-15% CAGR. Diversify across large-cap, mid-cap, and index funds.
SWP — Systematic Withdrawal Plan
How long does your corpus last with monthly withdrawals?
Initial Corpus ₹50,00,000
Monthly Withdrawal ₹30,000
Expected Annual Return 8%
Withdrawal Period 20 Yrs
Total Withdrawn
₹72.0L
Starting Corpus₹50.0L
Remaining Balance₹28.4L
Total Interest Earned₹50.4L
💡 Advisory Note: SWP is ideal for retirees or those seeking passive income. Keep your withdrawal rate below your portfolio return rate to ensure the corpus lasts for life. A 4-6% annual withdrawal is considered sustainable.
Goal Planning Calculator
Find the monthly SIP needed to reach any financial goal.
Target Amount ₹50,00,000
Expected Annual Return 12%
Time to Goal 15 Yrs
Required Monthly SIP
₹8,215
Target Corpus₹50.0L
Total You'll Invest₹14.8L
Market Returns₹35.2L
💡 Advisory Note: Break every life goal into a monthly SIP target. Inflation erodes goals — a ₹50L target today will need ₹1.3Cr in 20 years at 5% inflation. Always plan for inflation-adjusted targets and step up your SIP by 10% annually.
Home Loan EMI Calculator
Calculate your monthly home loan EMI and total interest payable.
Loan Amount ₹50,00,000
Annual Interest Rate 8.5%
Tenure 20 Yrs
Monthly EMI
₹43,391
Principal₹50.0L
Total Interest₹54.1L
Total Payment₹1.04Cr
💡 Current home loan rates: 8.4%–9.5% p.a. (March 2026)
💡 Advisory Note: Keep home loan EMI under 40% of take-home pay. Prepayment in early years saves significantly more interest. Even ₹1L extra in year 1 saves 3-4x in total interest over the tenure.
Car Loan EMI Calculator
Calculate monthly car loan EMI and total interest cost.
Loan Amount ₹8,00,000
Annual Interest Rate 9%
Tenure 5 Yrs
Monthly EMI
₹16,607
Principal₹8.0L
Total Interest₹1.96L
Total Payment₹9.96L
💡 Advisory Note: A car loses 15-20% value in year 1. Keep car loan tenure under 4 years and down payment above 30% to stay financially healthy. Total EMIs on all loans should not exceed 50% of income.
Personal Loan EMI Calculator
Estimate monthly EMI and interest for personal loans.
Loan Amount ₹5,00,000
Annual Interest Rate 12%
Tenure 3 Yrs
Monthly EMI
₹16,607
Principal₹5.0L
Total Interest₹97.8K
Total Payment₹5.98L
💡 Advisory Note: Personal loans carry the highest interest rates. Always explore alternatives: loan against FD (8-9%), gold loan (10-12%), or loan against securities before taking a personal loan at 14-24%.
Fixed Deposit (FD) Calculator
Calculate maturity amount and interest earned on your FD.
Principal Amount ₹1,00,000
Annual Interest Rate 7%
Tenure 3 Yrs
Compounding Quarterly
Maturity Amount
₹1.23L
Principal₹1.0L
Interest Earned₹23.1K
Effective Yield23.1%
💡 Top bank rates: SBI 7.1%, HDFC 7.35%, Bajaj Finance 7.4%
💡 Advisory Note: FD rates are highest for 1-3 year tenures at most banks. Senior citizens get 0.25-0.50% extra. Consider FD laddering across maturities to manage reinvestment risk and liquidity needs.
Recurring Deposit (RD) Calculator
Calculate maturity value of your monthly recurring deposit.
Monthly Deposit ₹5,000
Annual Interest Rate 6.5%
Tenure 3 Yrs
Maturity Amount
₹1.97L
Total Deposited₹1.80L
Interest Earned₹17.3K
Returns %9.6%
💡 Advisory Note: RD is ideal for short-term goals (1-3 years) where capital safety is paramount. For 5+ year goals, equity SIPs typically deliver 2-3x better returns than RDs after inflation adjustment.
PPF Calculator
Calculate maturity amount of your Public Provident Fund. PPF is EEE — fully tax-free.
Yearly Investment ₹1,50,000
PPF Interest Rate 7.1%
Tenure (min 15 yrs) 15 Yrs
Maturity Amount
₹40.7L
Total Invested₹22.5L
Interest Earned₹18.2L
💡 PPF is EEE — investment, interest, and maturity are all tax-free. Current rate: 7.1% p.a.
💡 Advisory Note: PPF at 7.1% with EEE tax benefit beats most debt instruments on post-tax returns. Invest before 5th of every month. Extending beyond 15 years maximises the compounding effect significantly.
Tax Saving — Section 80C
Estimate tax savings through ELSS, PPF, LIC under Section 80C.
Annual Gross Income ₹15,00,000
80C Investments (Max ₹1.5L) ₹1,50,000
Other Deductions ₹50,000
Tax Saved
₹46,800
Taxable Income₹13.0L
Tax Without 80C₹2.62L
Tax After 80C₹2.16L
💡 Advisory Note: Maximise 80C with ELSS (shortest lock-in of 3 years, highest potential returns). Compare old vs new regime annually. For incomes above ₹15L with low deductions, new regime often wins.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment.
Initial Value ₹1,00,000
Final Value ₹3,00,000
Period 10 Yrs
CAGR
11.6%
Starting Value₹1.0L
Ending Value₹3.0L
Absolute Return200%
💡 Advisory Note: CAGR is the most honest measure of investment performance. Always compare funds on 5–10 year CAGR, not 1-year returns. Indian equity markets have historically delivered 12–15% CAGR over 15+ year periods — use this as your long-term benchmark.
EPF / PF Calculator
Estimate your Employee Provident Fund corpus at retirement. Rate: 8.25% p.a.
Monthly Basic Salary ₹50,000
Current Age 30 Yrs
Retirement Age 60 Yrs
Annual Salary Hike 8%
EPF Corpus at Retirement
₹1.82Cr
Employee contribution12% of Basic
Employer to EPF3.67%
EPF Interest Rate8.25% p.a.
💡 EPF is EEE — tax-free if service ≥ 5 years. Employer also contributes 8.33% to EPS pension scheme.
💡 Advisory Note: EPF at 8.25% EEE is among the best risk-free returns in India. Consider VPF to boost contributions. Do not withdraw EPF on job change — transfer via EPFO portal to preserve compounding.
NPS — National Pension System
Calculate NPS corpus and estimated monthly pension at retirement.
Monthly Contribution ₹5,000
Current Age 30 Yrs
Expected Annual Return 10%
Annuity Purchase % 40%
NPS Corpus at 60
₹1.13Cr
Lump Sum (60%)₹67.8L
Annuity Fund (40%)₹45.2L
Est. Monthly Pension₹18,080
💡 NPS gives extra ₹50,000 deduction u/s 80CCD(1B). 60% lump sum is tax-free at retirement.
💡 Advisory Note: NPS gives ₹50,000 extra deduction u/s 80CCD(1B) beyond 80C limit — saving ₹15,600 in taxes for 30% bracket. Choose aggressive lifecycle fund (LC75) if age < 40 for maximum equity allocation.
⚡ Advanced Intelligence Layer
Smart Financial Decision Tools
These tools answer the real questions your clients ask — loan vs invest, delay cost, education planning, FIRE number, and MFD revenue modelling. Built for advisors and serious investors.
3
Loan Tools
3
Life Goals
2
Wealth Tools
1
MFD Tool
Loan Intelligence · #1
Loan Interest Neutraliser
You're paying interest on a loan. What parallel SIP recovers just the interest — or the entire P+I? Make your loan effectively free.
Loan Amount ₹20,00,000
Loan Interest Rate 8.5%
Loan Tenure 20 Yrs
SIP Expected Return 12%
Annual SIP Step-Up 10%
Total Interest on Loan
₹21.6L
💊 SIP to recover interest only₹3,240/mo
🏆 SIP to recover P + Interest₹9,580/mo
Net loan cost after SIP #1₹0 interest!
Net loan cost after SIP #2Loan is FREE
SIP corpus at end of tenure—
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💡 Advisory Note: Your loan interest is a guaranteed cost — but a parallel SIP can offset it entirely. A small monthly SIP started alongside your EMI can recover all the interest paid by tenure end, making your effective loan cost zero. Use Step-Up SIP to grow with your salary.
Loan Intelligence · #2
Buy Now vs Invest Instead
EMI loan for a car or gadget? See the true cost versus what you'd have if you invested that EMI in an SIP instead.
Asset Cost ₹8,00,000
Down Payment ₹1,60,000
Loan Interest Rate 9%
Loan Tenure 5 Yrs
Expected SIP Return 12%
Buy on Loan
₹9.96L
Total cost incl. interest
Invest Instead
₹12.3L
SIP corpus after same period
Monthly EMI₹16,607/mo
Opportunity cost of loan₹2.34L
Break-even return needed9.0%
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💡 Advisory Note: Every EMI has an opportunity cost — that money invested in equity SIP could be building wealth. If expected SIP return exceeds your loan interest rate, investing wins. Factor in asset depreciation too — a car loses 15-20% value in year 1 while your SIP grows.
Loan Intelligence · #3
Prepay Loan vs Start SIP
You have spare money. Prepay home loan (guaranteed saving) or invest in MF (market returns)? Get the definitive answer.
Outstanding Loan ₹40,00,000
Loan Interest Rate 8.5%
Remaining Tenure 15 Yrs
Lump Sum Available ₹5,00,000
Expected MF Return 12%
Prepay Loan
₹12.4L
Guaranteed interest saved
Invest in MF
₹27.4L
Projected lumpsum growth
Net gain: Prepay₹12.4L
Net gain: Invest₹22.4L
Break-even return8.5%
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💡 Advisory Note: If your expected MF return exceeds the loan interest rate, investing typically creates more wealth. But prepayment gives guaranteed, risk-free savings. Keep 6 months emergency fund first, then decide based on the numbers above.
Life Goals · #4
Inflation Reality Check
Your ₹1 Crore corpus in 20 years won't feel like ₹1 Crore. See what your savings are really worth after inflation.
Target Corpus ₹1,00,00,000
Years to Goal 20 Yrs
Inflation Rate 6%
Expected SIP Return 12%
Real Value in Today's Money
₹31.2L
Inflation-adjusted real target₹3.21Cr
SIP for nominal target₹10,011/mo
SIP for real (inflation-adj)₹32,000/mo
Inflation drag on corpus68.8%
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💡 Advisory Note: Inflation is the silent wealth destroyer. At 6% inflation, money halves in purchasing power every 12 years. Always set inflation-adjusted financial goals. Your SIP must beat inflation by at least 4-5% annually to build real, lasting wealth.
Life Goals · #5
Child Education Planner
Education inflation is 10–12% in India. What will your child's degree cost — and what SIP starts today?
Quick Preset — Current Cost
Current Cost ₹5,00,000
Child's Current Age 3 Yrs
Education Starts at Age 18 Yrs
Education Inflation 10%
Expected SIP Return 12%
Education Will Cost in Future
₹32.2L
Years to plan15 years
Required SIP (flat)₹6,820/mo
Required SIP (10% step-up)₹4,210/mo
SIP if start 3 yrs late₹9,450/mo
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💡 Advisory Note: Education inflation in India runs at 10-12% annually — far faster than general inflation. Start from birth if possible. A 10% annual step-up SIP is the most practical approach. Every year of delay significantly raises the required monthly commitment.
Life Goals · #6
Retirement Freedom (FIRE)
At your current savings rate, when can you retire? What's your FIRE number? And what SIP retires you at 45 or 50?
Current Age 30 Yrs
Monthly Expenses Today ₹60,000
Monthly Savings / SIP ₹20,000
Current Corpus ₹5,00,000
Expected Return 12%
Inflation Rate 6%
Your FIRE Number
₹3.78Cr
At current pace, retire at age47
SIP to retire at 45₹28,400/mo
SIP to retire at 50₹16,200/mo
Monthly income post-retirement₹1.26L/mo
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💡 Advisory Note: FIRE is based on the 4% rule — your corpus should be 25x your annual expenses. The key lever is your savings rate. Increasing monthly savings by just Rs.5,000 today can bring retirement forward by years. Consistency beats everything.
Wealth Building · #7
Cost of Delay Calculator
The best MFD conversion tool. Show clients exactly what every year of delay costs — in real rupees. Nothing converts fence-sitters faster.
Monthly SIP Amount ₹10,000
Expected Annual Return 12%
Investment Horizon 20 Yrs
Start Today — Final Corpus
₹99.9L
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💡 Advisory Note: The cost of delay is permanent and irreversible — you can never recover lost compounding years. Starting just 1 year earlier can add lakhs to your final corpus. This is the single most powerful argument for starting an SIP today, not tomorrow.
Wealth Building · #8
Crorepati Calculator
When will you hit ₹25L, ₹50L, ₹1Cr, or ₹5Cr? Set your milestone and find the exact SIP plan with step-up.
Target Milestone
Monthly SIP ₹10,000
Annual Step-Up % 10%
Expected Annual Return 12%
Time to Hit Target
13.2 Years
Target₹1.0Cr
Total invested₹38.2L
Market returns₹61.8L
SIP at year 5₹16,105/mo
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💡 Advisory Note: The path to Rs.1 Crore is simpler than most think — consistency and step-ups. Increasing your SIP by 10% annually (matching typical salary hikes) gets you there significantly faster. The market does the heavy lifting; your job is to stay invested.
For MFDs · #9 · Exclusive
MFD Revenue & Trail Estimator
Model your AUM growth. See your monthly trail income today vs in 5 years. Plan your business expansion with conviction.
Current AUM ₹10 Cr
Annual AUM Growth Rate 25%
Average Expense Ratio 1.0%
Trail Commission % of TER 40%
Planning Horizon 5 Yrs
AUM After Planning Period
₹30.5 Cr
Monthly Trail Now
₹33,333
Monthly Trail at Year-End
₹1,01,667
Growth Multiple
3.05x
Annual Trail (End)
₹12.2L
New SIPs needed/month (avg ₹5K)~17/mo
Clients needed (avg ₹10L AUM)~205
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💡 Advisory Note: Trail income is the ultimate advisor superpower — it grows passively as AUM grows. Focus on client retention and SIP continuity. Protecting existing AUM from redemptions is as powerful as adding new clients. Compounding works on AUM just like it works on money.
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