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From your first SIP to planning your retirement corpus, every investment calculator you need to see exactly how your money grows, what returns to expect, and how much to save. Free, instant, and updated for latest FY.
All investment calculators
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SIP Calculator
Calculate returns on your monthly mutual fund SIP. See maturity value, wealth gained, and year-by-year growth with compounding at any expected CAGR.
Lumpsum Calculator
Project the future value of a one-time investment in a mutual fund or equity. Compare returns across different CAGR assumptions and time horizons.
Compound Interest
Visualise the full power of compounding across any principal, rate, and time period. Compare simple vs compound interest and different compounding frequencies.
PPF Calculator
Calculate your Public Provident Fund maturity after 15 years with annual contributions. Includes extension periods, partial withdrawal rules, and tax-free returns.
FD Calculator
Fixed deposit maturity value for any bank rate and tenure. Handles monthly, quarterly, half-yearly, and annual compounding. Includes post-tax returns with TDS.
RD Calculator
Recurring deposit returns for any monthly contribution, rate, and tenure. Compare RD vs SIP on the same parameters to see which builds more wealth.
CAGR Calculator
Calculate the compound annual growth rate of any investment. Work forward (what will ₹X grow to?) or backward (what CAGR did this investment earn?).
Retirement Planner
How much corpus do you need to retire comfortably? Inflation-adjusted target corpus, monthly SIP required, and a track-check against your current savings.
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Related comparison tools
Side-by-side comparisons that help you make the biggest investment decisions.
Investment Calculators for India - Why the Numbers Matter
The difference between a comfortable retirement and a financially stressful one often comes down to decisions made 20–30 years earlier, how much to invest, where to put it, and how often. Two people earning the same salary can arrive at 60 with ₹30 lakh or ₹3 crore depending entirely on whether they understood compounding and acted on it early. These calculators exist to make those decisions quantitative and unavoidable.
India's investment landscape in 2026 is richer than it has ever been, SIPs in equity mutual funds, PPF for guaranteed tax-free returns, FDs for capital safety, RDs for disciplined savers, NPS for retirement, and direct equity for the informed investor. Each instrument has a different risk-return profile, tax treatment, liquidity, and compounding mechanism. Understanding these differences numerically, not just conceptually, is what separates good investment decisions from guesswork.
How to use these calculators together
These tools work best as an integrated investment planning system rather than one-off lookups. Here is the recommended sequence for building a complete investment strategy from scratch:
Key principles of smart investing in India
Every calculator on this page is built around a set of fundamental principles that distinguish wealth-builders from savers who never quite get ahead:
Missing the 10 best trading days in a 20-year Nifty 50 investment can cut your final corpus by over 50%. Starting a ₹5,000 SIP at age 25 vs age 35, same monthly amount, same 12% CAGR, produces ₹1.76 crore vs ₹49.96 lakh at 60. That 10-year delay costs ₹1.26 crore. No market timing strategy makes up for it.
In compounding, the last few years generate disproportionate wealth. A ₹10L investment at 12% grows to ₹19.65L in year 6 and ₹96.46L in year 20. Years 15–20 add ₹48.52L, more than the first 15 years combined. Redeeming early destroys the exact phase where compounding pays off most.
An FD at 7% looks attractive until inflation is 6%, your real return is 1% before tax, and negative after TDS in the 30% bracket (post-tax return: 4.9%). Equity SIPs targeting 12% CAGR deliver ~5.5–6% real return over inflation, which doubles purchasing power every 12–13 years. Asset allocation must be viewed in real, not nominal, terms.
PPF returns are 100% tax-free. Equity LTCG above ₹1.25L is taxed at 12.5%. FD interest is added to income and taxed at your slab (up to 30%). On a ₹5,000/month investment over 20 years at 12%, an equity SIP delivers roughly ₹8–10L more than a taxable FD at a similar pre-tax rate, purely due to tax treatment.
A flat ₹5,000/month SIP for 20 years at 12% grows to ₹49.96L. The same SIP with a 10% annual step-up grows to ₹1.03 crore, more than double, because each year's higher contribution compounds for longer. This is the single most underused lever in retail investing. Model it with the Step-Up SIP Calculator.
Research across markets consistently shows that asset allocation, how much in equity, debt, gold, and cash, determines over 90% of portfolio returns. Stock selection and market timing account for the rest. Use PPF and RD for the debt anchor, equity SIPs for long-term growth, and gold ETFs for ~10% inflation hedge. Rebalance annually.