Investment Calculators

See exactly how your money grows — before you invest

The single most powerful wealth-building tool is not a hot stock or a crypto tip — it's starting early and being consistent. Our investment calculators turn vague hopes ("I want to be rich") into precise plans ("I need to invest ₹7,200/month at 12% to reach ₹1 crore in 20 years").

The SIP calculator is the most popular starting point. Enter your monthly amount, expected return and horizon — it instantly shows your maturity value and the wealth gained versus total invested. The step-up SIP variant lets you increase your SIP by a fixed percentage every year, which closely mirrors real salary growth and dramatically boosts the final corpus.

The Goal SIP calculator works in reverse: tell it your target (e.g., ₹50 lakh for a child's education in 15 years) and it tells you the monthly SIP you need to start today.

For one-time investments, the Lumpsum Calculator and CAGR Calculator are your go-to tools. CAGR measures portfolio performance — paste in your starting value, current value, and years to see your annualised return.

The Compounding Calculator shows the magic (and the math) behind Einstein's "eighth wonder of the world." Switch between daily, monthly and annual compounding frequencies to see how compounding period affects final growth.

The SWP Calculator is the retirement-phase counterpart of SIP — it shows how long your accumulated corpus lasts when you start withdrawing monthly. The Inflation Calculator puts all of this in context: that ₹1 crore corpus in 25 years may only have the purchasing power of ₹23 lakh today at 6% inflation.

All Investment Calculators (10)

Brokerage Calculator

NEW

Calculate exact trading charges — brokerage, STT, GST, stamp duty and net P&L for Intraday, Delivery, F&O Futures and Options on NSE and BSE.

SIP Calculator

Calculate the maturity amount and wealth gained from a monthly SIP investment over any time horizon.

Goal SIP Calculator

NEW

Find out how much monthly SIP you need to invest today to reach your financial goal amount.

Step-Up SIP Calculator

Calculate returns from a SIP where you increase your investment amount annually by a fixed percentage.

Lumpsum Calculator

Calculate the future value of a one-time lumpsum investment at an expected annual return rate.

Compounding Calculator

See the power of compound interest — calculate how your money grows with different compounding frequencies.

CAGR Calculator

Calculate the Compound Annual Growth Rate between an initial and final investment value over a given period.

SWP Calculator

Plan your Systematic Withdrawal Plan — calculate how long your corpus lasts with monthly withdrawals.

Inflation Calculator

Find the real value of money after inflation — or how much you need in future to match today's purchasing power.

Simple Interest

Calculate simple interest earned on a principal amount at a given annual rate over a specified period.

Frequently Asked Questions

What is a realistic SIP return rate to use in the calculator?

Large-cap equity funds in India have delivered 10–12% CAGR over 10-year periods historically. Flexi-cap and mid-cap funds have returned 12–15%. Debt funds return 6–8%. For long-term projections, 10–12% is a conservative-yet-realistic assumption for diversified equity SIPs. The calculator lets you change the rate to run best-case and worst-case scenarios.

SIP vs Lumpsum — which is better?

SIP wins when markets are volatile because it averages your purchase cost (rupee cost averaging). Lumpsum wins if you invest at a market bottom. In practice, most investors can't time the market, so SIP is the safer default. The step-up SIP variant outperforms both over 15+ years for investors whose income grows annually.

How accurate is the CAGR calculator?

The CAGR formula is mathematically exact: CAGR = (Ending Value / Beginning Value)^(1/Years) − 1. The only variable is the time period — make sure you enter the exact number of years including partial years for accuracy.