Investment Calculators
Calculators for market-linked money: monthly and one-time investments, withdrawals, and the return an investment actually earned.
Mutual funds
7 calculatorsCalculate mutual fund monthly SIP returns in India in seconds. See total wealth gain, a year-by-year growth chart and step-up SIP projections.
Step up SIP calculator: see how raising your monthly SIP by a percentage or fixed amount every year grows your corpus, with a year-by-year table.
Lumpsum calculator for mutual funds in India: what a one-time investment grows to at your expected return, with the gain, inflation and a yearly table.
Estimate ELSS mutual fund returns in India for a SIP or lumpsum, the Section 80C tax saved under the old regime, and what is still in the 3-year lock-in.
Model a mutual fund STP in India: a lumpsum in a liquid or debt fund moved monthly into equity. See both balances, the total and the year-by-year path.
SWP calculator for mutual funds in India: monthly withdrawal, corpus left and how long it lasts, with an annual step-up to keep pace with inflation.
Mutual fund returns calculator: current value, gain, absolute return and CAGR from NAVs, with exit load and an estimate of capital gains tax.
Measure returns
4 calculatorsCAGR calculator: find the compound annual growth rate of a stock, mutual fund or any value from its start and end, with the formula and Excel method.
Work out the XIRR of your SIP or mutual fund investments in India from dated cash flows. See the annualised return, absolute return and total gain.
Calculate compound interest with yearly, half-yearly, quarterly or monthly compounding, and see the year-by-year growth in Indian rupees.
Simple interest calculator: interest and total on any principal, rate and period in years or months, using SI = P × R × T / 100, with worked examples.
Compare strategies
3 calculatorsCompare the same money invested as a lumpsum today or as a monthly SIP in India. See both final values, the gap and a year-by-year table.
Calculate future cost of living and purchasing power loss in India, with a historical CPI index and the CBDT Cost Inflation Index (CII).
See your mix of equity, debt, gold and cash, set a target, and find how much to buy or sell to rebalance, or how to rebalance with new money only.
Shares and trading
4 calculatorsStock average calculator for shares: your average buy price across purchases, profit or loss today, and how many shares to buy to reach a target average.
Stock return calculator for Indian shares: profit from price gain and dividends after charges, total return % and the annual return (CAGR) over your holding.
Calculate a share's dividend yield from the dividend per share (or total dividends) and the price, and the yearly income a given investment could earn.
Work out brokerage, STT, stamp duty, SEBI fee, exchange charges and GST on a delivery, intraday, futures or options trade, with net P&L and break-even.
Which investment calculators should you use?
These calculators split into two kinds, and mixing them up is the most common mistake people make with them. SIP, Lumpsum and CAGR deal with market-linked money, where the return is an assumption you are choosing. Bank deposits, with a contracted rate, are under FD & Savings, and government schemes such as PPF under Post Office.
For the market-linked ones, the return you type in decides the answer, so the useful exercise is not to run it once. Run it at 10%, 12% and 14% and look at how far apart the three land over twenty years. If the plan only works at the top number, it is not a plan.
SIP Calculator is for a fixed amount invested every month, and it assumes start-of-month instalments, which is how a SIP actually debits. Lumpsum Calculator is for a single amount left alone. The difference between them on the same total money is entirely about time in the market.
Use CAGR when one amount went in and one came out. As soon as money went in or out along the way, as with a SIP, CAGR misleads and XIRR is the right measure: it dates every instalment and redemption.
Compound Interest and Simple Interest show the two textbook ways a rate turns into money. Over a few years the gap is large, which is why deposits quote a compounding frequency.
SIP vs Lumpsum compares the same money invested at once or spread out. With a constant assumed return the lumpsum always ends higher; a SIP's real benefit is averaging your purchase price in a volatile market, which no constant-return calculator can show.
Inflation Calculator converts between today's rupees and tomorrow's, using official CPI and Cost Inflation Index data where they exist.
A quick sense of scale: ₹10,000 a month in a SIP for 10 years, at an assumed 12% a year, grows to about ₹23,23,391 on ₹12,00,000 invested. At 10% the same SIP ends near ₹20.7 lakh, which is why the assumed return matters more than any other input. Raising the SIP every year, as a salary rises, is modelled by Step-up SIP, and working backwards from a target amount by Goal SIP.
For tax-saving equity under the old regime, the ELSS Calculator adds the Section 80C saving and the 3-year lock-in to the growth figure. For the other end of the journey, SWP shows how long a corpus lasts with a fixed monthly withdrawal, and STP moves a lumpsum into equity in monthly steps. When you sell, the LTCG and STCG calculators work out the capital gains tax.
Practical Guides & Rules
The real-world rules, bank fine-print, and formulas behind these calculations.
Income Tax on ₹5 Lakh Salary: Why You Pay ₹0 Tax in India
Calculate income tax on a ₹5 Lakh salary for FY 2026-27. Understand why both New and Old Tax Regimes result in ₹0 net tax thanks to Section 87A rebate.
Income Tax on ₹10 Lakh Salary: New vs Old Regime Calculation
Calculate income tax on a ₹10 Lakh salary in India for FY 2026-27. Compare New vs Old Regime, standard deduction, and see which option saves you more money.
Income Tax on ₹15 Lakh Salary: New vs Old Regime Breakeven Analysis
Calculate tax on a ₹15 Lakh salary under New and Old Tax Regimes for FY 2026-27. Learn the exact breakeven deduction threshold and monthly take-home.
Income Tax on ₹20 Lakh Salary: Tax Slabs, Deductions & In-Hand Pay
Income tax on a ₹20 lakh salary for FY 2026-27: new vs old regime, monthly TDS, in-hand pay and how employer NPS lowers the tax.
Also useful in this workflow
Tools that belong to other categories but are frequently referenced when making these calculations.
Compare Pure Term Insurance + Mutual Fund SIP against traditional Endowment / Money-Back plans to see cover and maturity differences.
Find the monthly SIP you need for any goal in India. Adjusts the target for inflation, counts savings you have, and shows step-up and lumpsum options.
Work out the gross and net rental yield on a property in India after maintenance, property tax, vacancy and letting costs, and compare it with an FD.
Find the amount you need invested today to coast to your FIRE number with no more saving, compare it with what you have, and see the age you get there.
Work out the corpus you need for Barista FIRE in India when part-time income covers some of your expenses, and compare it with full FIRE and its SIP.
Plan a wedding in India: break today's cost into venue, catering, clothing and jewellery, see what it could cost later and the monthly SIP to save it.
Work out the rupee cost of studying abroad from tuition and living costs, cost inflation and the exchange rate, and the monthly SIP needed to fund it.
See how much of your 80C, 80D, NPS and home loan limits is left, the old-regime tax saved by using it, and whether the new regime still costs less.
Explore Other Calculator Categories
Browse our other collections of financial, loan, and mathematical decision tools.
Reviewed by Pradipta Ray, MBA (Finance) · Updated