Free Financial Calculators

Quick, no-login tools to run the numbers on your investments, retirement plan, insurance needs, and more. Built for Indian investors with Indian context.

How to use these tools: Each calculator gives you an estimate based on the inputs you provide. Use them to understand the scale of your goals and the gap between where you are and where you need to be. For a personalised plan that accounts for your tax situation, existing portfolio, and risk profile, book a discovery call.

All calculators

SIP Calculator

See how a fixed monthly SIP grows over any time horizon at a chosen return rate. Useful for planning equity mutual fund investments or any regular savings.

Goal Planner

Enter a target amount and time frame — the tool works backward to tell you how much to invest monthly to reach that goal.

Retirement Calculator

Estimate your retirement corpus requirement accounting for inflation and life expectancy, then find the monthly SIP needed to get there from today.

Insurance Needs (HLV)

Calculate your Human Life Value — the amount of life insurance your family actually needs to maintain their standard of living if you were no longer there.

Net Worth Tracker

Add your assets (investments, property, cash) and liabilities (loans, credit cards) to get a clear, current snapshot of your net financial position.

EMI Calculator

Calculate the monthly EMI on any loan — home loan, car loan, personal loan — given the principal, interest rate, and repayment period.

Inflation Calculator

See the real purchasing power of today's money over time. Useful for understanding how much more you will need to spend in retirement to maintain the same lifestyle.

Financial Health Quiz

A quick 10-question self-assessment across savings, insurance, debt, and investments — tells you where your financial life is solid and where the gaps are.

Tax Regime Comparison

Compare Old vs New Tax Regime for FY2025-26. Enter your income and deductions to instantly see which regime saves you more tax this year.

Step-Up SIP Calculator

Your income grows every year — your SIP should too. See how increasing your monthly SIP by even 10% annually can dramatically boost your wealth over time.

FIRE Number Calculator

Find exactly how much corpus you need for Financial Independence, Retire Early — and what monthly SIP will get you there by your target date.

PPF / EPF Calculator

Calculate your PPF or EPF maturity value with annual compounding. See how your provident fund grows over time — and whether it is enough for retirement.

Lump Sum vs SIP

Got a windfall? Compare investing all at once versus spreading it as monthly SIPs — see the numbers and understand the real trade-off between timing risk and compounding.

SWP Calculator

Plan your retirement income. Enter your corpus and monthly withdrawal amount to see how long your money lasts — and find the sustainable monthly withdrawal rate.

Prepay Home Loan vs Invest

Should you put your bonus towards your home loan or invest it? Compare interest saved by prepaying against the future value of investing the same amount.

CAGR Calculator

Calculate the Compound Annual Growth Rate of any investment — or use it in reverse to find future value, initial investment needed, or required growth rate.

Direct vs Regular Fund

See exactly how much wealth distributor commissions cost you over 10, 20, or 30 years — and how much more you keep by investing in direct mutual fund plans.

Also explore

Want context behind the numbers?

7 plain-language articles on tax planning, ULIP mis-selling, EPF gaps, FIRE number calculation, fee-only advisory, and more.

Read all articles →

Numbers are only the starting point

A calculator tells you what the math says. An advisor tells you what to do about it — factoring in your tax, existing portfolio, life stage, and goals. Book a 30-minute discovery call.

Book a Discovery Call