Investments
SIP · Lumpsum · SWP · Mutual Fund
SIP Calculator
Monthly systematic investment plan returns
Monthly Investment₹25,000
Return Rate p.a.12%
Time Period10 yrs
Inflation
Total Invested—
Estimated Returns—
Maturity Value—
MoSPI CPI Inflation—
Breakdown
Growth Over Time
Step-up SIP
Increase monthly SIP annually to grow wealth faster
Initial Monthly SIP₹10,000
Annual Step-up10%
Return Rate p.a.12%
Time Period10 yrs
Total Invested—
Returns—
Maturity Value—
Breakdown
Growth
SWP Calculator
Systematic Withdrawal Plan — monthly income from corpus
Initial Investment₹50,00,000
Monthly Withdrawal₹50,000
Return Rate p.a.10%
Time Period10 yrs
Initial Investment—
Total Withdrawn—
Final Balance—
Split
Balance Over Time
Step-up SWP
Increase withdrawal annually to beat inflation
Initial Investment₹50,00,000
Initial Monthly Withdrawal₹40,000
Annual Step-up5%
Return Rate p.a.10%
Time Period10 yrs
Initial Investment—
Total Withdrawn—
Final Balance—
Split
Balance Over Time
Lumpsum Calculator
One-time investment with compound interest growth
Investment Amount₹10,00,000
Return Rate p.a.12%
Time Period10 yrs
Inflation
Invested—
Returns—
Maturity Value—
MoSPI CPI Inflation—
Breakdown
Growth
Mutual Fund Returns
SIP or lumpsum investment returns
Mode
Amount₹10,000
Return Rate p.a.12%
Time Period10 yrs
Total Invested—
Returns—
Maturity Value—
Breakdown
Growth
XIRR Calculator
Annualized return for irregular cash flows. Negative = outflow, positive = inflow.
Total Invested—
Total Returns—
Absolute Return—
XIRR (Annualized)—
Cash Split
Cash Flow Timeline
Fixed Income
Fixed Deposit · Recurring Deposit · Bond/Debenture
Fixed Deposit
FD with compound interest at various frequencies
Principal₹5,00,000
Interest Rate p.a.7%
Tenure5 yrs
Compounding
Principal—
Interest Earned—
Maturity Value—
Breakdown
Growth
Recurring Deposit
Monthly deposits compounded quarterly
Monthly Deposit₹5,000
Interest Rate p.a.6.5%
Tenure5 yrs
Total Invested—
Interest Earned—
Maturity Value—
Breakdown
Growth
Bond / Debenture Calculator
Calculate yield, price, accrued interest & total returns for bonds/NCDs
Face Value (₹)₹1,000
Coupon Rate p.a.8%
Market Price (₹)₹950
Years to Maturity5 yrs
Units (Qty)100
Payout Frequency
Total Investment—
Annual Coupon Income—
Per-Period Coupon—
Total Coupon (all yrs)—
Capital Gain/Loss—
YTM (Yield to Maturity)—
Current Yield—
Total Return—
Return Split
Cumulative Income
DCF & Valuation
Intrinsic value · implied growth rate
DCF Calculator
Discounted Cash Flow — intrinsic value of a stock
Current FCF (₹ Cr)1,000
FCF Growth Rate p.a.15%
Projection Period10 yrs
Terminal Growth3%
Discount Rate (WACC)12%
Shares Outstanding (Cr)100
PV of FCF—
PV of Terminal Value—
Enterprise Value—
Fair Value / Share—
Value Split
FCF Projection
Reverse DCF
What growth is the market pricing in at this share price?
Market Price (₹)₹1,500
Current FCF (₹ Cr)1,000
Projection Period10 yrs
Terminal Growth3%
Discount Rate12%
Shares Outstanding (Cr)100
Market Cap—
Implied Growth Rate—
Assessment—
Scenarios
Implied FCF
Government Schemes
SSY · PPF · PO MIS · NSC · APY · NPS · SCSS · KVP · SGB · MSSC · PO TD
SSY — Sukanya Samriddhi Yojana
For girl child (0–10 yrs). Deposit 15 yrs, matures at 21 yrs. Current rate: 8.2% p.a.
Annual Deposit₹1,50,000
Girl's Age Now5 yrs
Interest Rate p.a.8.2%
Total Invested—
Interest Earned—
Maturity Year—
Maturity Value—
Breakdown
Growth
PPF — Public Provident Fund
15-year lock-in. Tax-free returns. 80C benefit. Current rate: 7.1% p.a.
Annual Deposit₹1,50,000
Time Period15 yrs
Interest Rate p.a.7.1%
Total Invested—
Interest Earned—
Maturity Value—
Breakdown
Growth
Post Office MIS
Monthly Income Scheme. Max ₹9L single / ₹15L joint. Current rate: 7.4% p.a.
Investment₹9,00,000
Interest Rate p.a.7.4%
Investment—
Monthly Payout—
Annual Interest—
Total Interest (5yr)—
Total Returns—
NSC — National Savings Certificate
5-year tenure. Interest compounded annually, paid at maturity. 80C eligible. Rate: 7.7% p.a.
Investment₹1,00,000
Interest Rate p.a.7.7%
Principal—
Interest (5 yrs)—
Maturity (5 yrs)—
Breakdown
Yearly Interest
APY — Atal Pension Yojana
Guaranteed pension of ₹1K–₹5K/month at age 60. For unorganized sector workers.
Current Age28 yrs
Desired Pension/month₹3,000
Years to Contribute—
Monthly Contribution—
Total Contributed—
Corpus at 60—
Monthly Pension—
NPS — National Pension System
Market-linked returns. At 60: up to 60% lump sum (tax-free) + 40% annuity.
Monthly Contribution₹10,000
Current Age30 yrs
Expected Return p.a.10%
Annuity Rate6%
Total Contributed—
Corpus at 60—
Lump Sum (60%)—
Annuity Amount—
Monthly Pension—
Corpus Split
Growth
SCSS — Senior Citizen Savings Scheme
For 60+ yrs. Quarterly payout. Max ₹30L. Current rate: 8.2% p.a.
Investment₹15,00,000
Interest Rate p.a.8.2%
Tenure5 yrs
Principal—
Quarterly Payout—
Total Interest—
Total Returns—
Breakdown
Cumulative Payout
KVP — Kisan Vikas Patra
Money doubles at maturity. Current rate: 7.5% p.a. (doubles in ~115 months).
Investment₹1,00,000
Interest Rate p.a.7.5%
Investment—
Doubling Period—
Maturity Amount—
Interest Earned—
Breakdown
Growth
SGB — Sovereign Gold Bond
2.5% interest p.a. on issue price + gold price appreciation. 8-year tenure.
Units (grams)100 g
Issue Price per gram (₹)₹6,500
Gold Appreciation p.a.8%
Investment (Issue Price)—
Interest (2.5% × 8 yrs)—
Redemption Value (gold)—
Total Returns—
Returns Split
Value Over 8 Yrs
MSSC — Mahila Samman Savings
For women only. 2-year tenure. Quarterly compounding. Max ₹2L. Rate: 7.5% p.a.
Investment₹2,00,000
Interest Rate p.a.7.5%
Principal—
Interest (2 yrs)—
Maturity Value—
Breakdown
Quarterly Growth
PO Time Deposit
Post Office term deposit: 1/2/3/5 years. Annual compounding.
Deposit Amount₹1,00,000
Tenure
Principal—
Scheme—
Interest Earned—
Maturity Value—
Breakdown
Growth
Loan Calculators
EMI · Home · Car · Education · Bike · Commercial · Personal · Flat vs Reducing · Prepayment
EMI Calculator
Universal EMI for any loan type
Loan Amount₹20,00,000
Interest Rate p.a.10%
Tenure10 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Outstanding Balance
Home Loan Calculator
Home loan EMI with LTV-based loan amount
Property Value₹75,00,000
Down Payment %20%
Interest Rate p.a.8.5%
Tenure20 yrs
Loan Amount—
Down Payment—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance Over Time
Car Loan
New / used car loan EMI calculator
Loan Amount₹8,00,000
Interest Rate p.a.8.5%
Tenure7 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance
Education Loan
Higher education loan EMI (post-moratorium)
Loan Amount₹15,00,000
Interest Rate p.a.9.5%
Tenure10 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance
Bike Loan
Two-wheeler / motorcycle loan EMI
Loan Amount₹1,50,000
Interest Rate p.a.12%
Tenure3 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance
Commercial Vehicle Loan
Truck, bus, auto, tractor & other commercial vehicles
Loan Amount₹25,00,000
Interest Rate p.a.11%
Tenure5 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance
Personal Loan
Unsecured personal loan EMI
Loan Amount₹5,00,000
Interest Rate p.a.14%
Tenure5 yrs
Principal—
Total Interest—
Total Payable—
Monthly EMI—
Breakdown
Balance
Flat vs Reducing Rate
Compare flat rate (on full principal) vs reducing balance. Find true effective rate.
Loan Amount₹5,00,000
Flat Interest Rate p.a.8%
Tenure5 yrs
Flat Rate EMI—
Flat Total Interest—
Equivalent Reducing Rate—
Reducing Rate EMI—
Reducing Total Interest—
Interest Savings—
EMI Comparison
Total Interest Comparison
EMI + Prepayment Calculator
Add lump-sum prepayments anytime to see interest saved & tenure reduction
Loan Amount₹50,00,000
Interest Rate p.a.9%
Tenure20 yrs
Prepayments (EMI Month No. → Amount)
after 1 yr
Original EMI—
Original Total Interest—
Actual Interest Paid—
Tenure Saved—
Interest Saved—
Interest Split
With vs Without Prepayment
Employment Benefits
EPF · Gratuity · HRA Exemption · CTC Breakup
EPF Calculator
Employee Provident Fund corpus at retirement. Current rate: 8.25% p.a.
Monthly Basic Salary₹40,000
Years to Retirement25 yrs
EPF Rate p.a.8.25%
Your Contribution—
Employer Contribution—
Total Interest—
EPF Corpus—
Breakdown
Growth
Gratuity Calculator
Payable after min 5 years of service. As per Payment of Gratuity Act 1972.
Last Basic + DA Salary (Monthly)₹60,000
Years of Service10 yrs
Organisation
Formula—
Service (rounded)—
Gratuity Amount—
Formula (Act): (Basic+DA) × 15/26 × years
Formula (Non-Act): (Basic+DA) × 15/30 × years
Formula (Non-Act): (Basic+DA) × 15/30 × years
PPF — Employee View
Public Provident Fund for salaried employees. 15-yr lock-in, tax-free EEE status.
Annual Contribution₹1,50,000
Time Period15 yrs
Interest Rate p.a.7.1%
Total Invested—
Interest Earned—
Tax Saved (30% slab)—
Maturity Value—
EEE = Exempt at Investment (80C) + Exempt during Accumulation + Exempt at Maturity. Max ₹1.5L/yr deduction.
Breakdown
Growth
Leave Encashment Calculator
Calculate leave encashment payout at retirement or during service. Tax exempt up to ₹25L for govt employees at retirement.
Monthly Basic + DA Salary₹60,000
Annual Leave Entitlement (days)30 days
Accumulated Leave Balance (days)120 days
Years of Service10 yrs
Employee Type
Per Day Salary—
Leave Encashment Amount—
Tax Exempt (Limit)—
Taxable Amount—
Net Encashment (After Tax)—
Private: Exempt = min(Actual Encashment, ₹25L, Avg 10mo salary × leave months, 30×monthly salary). Govt: Fully exempt at retirement.
HRA Exemption
Tax-exempt HRA under Section 10(13A) — minimum of 3 conditions
Basic Salary (Annual)₹6,00,000
HRA Received (Annual)₹2,40,000
Actual Rent Paid (Annual)₹3,00,000
City Type
① HRA Received—
② 50/40% of Basic—
③ Rent − 10% of Basic—
HRA Exemption (min of 3)—
Taxable HRA—
CTC Breakup
Understand in-hand salary from CTC
Annual CTC₹12,00,000
Basic % of CTC40%
Annual CTC—
Basic Salary (pa)—
HRA (50% of Basic)—
Special Allowance—
Employee PF (pa)—
Gross Salary (pa)—
Approx In-hand Monthly—
Tax Calculators
Income Tax FY 2026-27 · GST · TDS
Income Tax FY 2026-27
New & Old Regime · AY 2026-27 · Latest Budget slabs
Regime
Annual Income₹15,00,000
Deductions (80C, 80D…)₹1,50,000
Gross Income—
Taxable Income—
Tax + Cess (4%)—
Effective Tax Rate—
Net In-hand (Annual)—
Distribution
Tax Slabs
GST Calculator
Add or remove GST from any amount with CGST/SGST split
Type
Amount₹10,000
GST Rate18%
Base Amount—
CGST—
SGST—
Total GST—
Final Amount—
Breakdown
Comparison
TDS Calculator
Calculate TDS on salary, FD interest, rent, professional fees and more
Payment Type
Gross AmountRs5,00,000
PAN Available?
Gross Amount-
Applicable Section-
TDS Rate Applied-
TDS Amount-
Net Receivable-
TDS vs Net
Gross vs Net
Financial Metrics
XIRR · CAGR · Average Return · Compound & Simple Interest
XIRR Calculator
Annualized return for irregular cash flows. Negative = outflow, positive = inflow.
Total Invested-
Total Returns-
Absolute Return-
XIRR (Annualized)-
Cash Split
Cash Flow Timeline
CAGR Calculator
Compound Annual Growth Rate - find CAGR or project future/present value
Mode
Beginning ValueRs1,00,000
Ending ValueRs3,10,585
Years12 yrs
CAGR-
Absolute Return-
Doubling Time (Rule of 72)-
Growth Curve
Rs 1L at Different CAGRs (10yr)
Average Return Calculator
Arithmetic mean, geometric mean (CAGR) and weighted analysis of annual returns
Enter Annual Returns (%)
Year 1
Year 2
Year 3
Year 4
Year 5
Arithmetic Mean-
Geometric Mean (CAGR)-
Best Year-
Worst Year-
Rs 1L grown to-
Year-by-Year Returns
Compound Interest Calculator
Calculate CI with any compounding frequency + optional regular contributions
PrincipalRs1,00,000
Rate p.a.10%
Time Period10 yrs
Compounding
Monthly Contribution (optional)Rs0
Principal-
Interest Earned-
Effective Annual Rate-
Final Amount-
Breakdown
Growth
Simple Interest Calculator
Calculate SI and compare with compound interest side by side
PrincipalRs1,00,000
Rate p.a.10%
Time Period10 yrs
Simple Interest-
SI Final Amount-
Compound Interest-
CI Final Amount-
CI Advantage-
SI vs CI
Growth Comparison
Comparison Calculators
Stock vs FD · Stock vs Bond — after-tax analysis
Stock vs Fixed Deposit
Compare equity CAGR vs guaranteed FD returns — both after applicable tax
Investment AmountRs10,00,000
Time Period10 yrs
Stock CAGR (expected)14%
FD Rate p.a.7%
Income Tax Slab (for FD)
LTCG Tax on Stocks12.5%
Stock Final (after LTCG)-
FD Final (after tax)-
Winner-
Advantage-
Final Values
Growth Over Time
Stock vs Bond
Compare equity returns vs bond coupon income + capital gain — after tax
Investment AmountRs10,00,000
Time Period10 yrs
Stock CAGR14%
Bond Coupon Rate p.a.9%
Tax on Bond Income
Stock Final (after LTCG)-
Bond Total Return (after tax)-
Winner-
Advantage-
Final Values
Growth Over Time
Financial Planner
Goal SIP · Goal Lumpsum · Retirement · Investment Planner
Goal-based SIP Planner
Enter your target corpus and get the exact monthly SIP required to achieve it
Target CorpusRs1,00,00,000
Expected Return p.a.12%
Time Horizon15 yrs
Inflation (goal in today's value)6%
Existing Savings (Rs)Rs0
Inflation-adjusted Goal-
Gap after Existing Savings-
Required Monthly SIP-
Total Invested via SIP-
Returns from SIP-
Corpus Composition
SIP Needed at Different Returns
Goal-based Lumpsum Planner
How much do you need to invest today as a lumpsum to reach your financial goal?
Target CorpusRs1,00,00,000
Expected Return p.a.12%
Time Horizon15 yrs
Inflation Rate6%
Inflation-adjusted Goal-
Required Lumpsum Today-
Returns Generated-
Corpus Split
Lumpsum Needed vs Rate
Retirement Planner
Full retirement corpus planning — how much SIP needed to retire comfortably
Current Age30 yrs
Retirement Age60 yrs
Life Expectancy85 yrs
Monthly Expenses Today (Rs)Rs50,000
Inflation Rate6%
Pre-Retirement Return p.a.12%
Post-Retirement Return p.a.7%
Existing Savings (Rs)Rs0
Years to Retirement-
Monthly Expenses at Retirement-
Required Corpus-
Existing Savings grows to-
Additional Corpus Needed-
Required Monthly SIP-
Corpus Breakdown
Corpus Timeline
Investment Planner
Groww-style planner — enter income, expenses and risk profile to get personalized allocation
Monthly IncomeRs1,00,000
Monthly ExpensesRs60,000
Age30 yrs
Risk Profile
Investment Horizon10 yrs
Nifty 50 — 10-Year CAGR (Live)—
Monthly Investable Surplus-
Emergency Fund Target (6 mo)-
Projected Corpus-
Suggested Allocation
Allocation
Projected Growth