Calculators · Free Financial Suite
Run the numbers yourself.
Eleven calculators, no sign-up, no email required. Each one explains its assumptions in plain words, because a number without context is just a guess.
Grow · Regular Investing
SIP calculator
What a monthly amount grows into.
Estimated value
₹23.23 L
- You invest
- ₹12,00,000
- Estimated gain
- ₹11,23,391
- Total value
- ₹23,23,391
Illustrations are based on assumed steady compounding. Mutual fund investments are subject to market risks; past performance does not guarantee future returns.
Grow · Step-up Disciplined Compounding
Step-up SIP calculator
Raise your SIP every year and see the difference.
Most people raise their SIP in line with their salary.
Estimated value
₹92.05 L
- You invest
- ₹38,12,700
- Estimated gain
- ₹53,92,442
- Without the step-up
- ₹50,45,760
- Extra from stepping up
- ₹41,59,382
Grow · One-time Compounding
Lumpsum investment calculator
One-time investment growth.
Estimated value
₹15.53 L
- You invest
- ₹5,00,000
- Estimated gain
- ₹10,52,924
Plan · Systematic Withdrawal
SWP calculator
Monthly income from a corpus.
Left at the end
₹1.53 Cr
- Total withdrawn
- ₹1,44,00,000
- Corpus remaining
- ₹1,53,19,438
- Outcome
- Lasts the full 20 years
Plan · Systematic Transfer
STP calculator
Move from debt to equity gradually.
Total after the transfer period
₹13.06 L
- In the equity fund
- ₹12,71,353
- Still in the debt fund
- ₹34,642
- Transferred
- ₹12,00,000
Plan · Target Based
Goal planning calculator
Work back from a target.
Monthly SIP needed
₹38,531
- Goal cost in the future
- ₹89,54,238
- Your savings will grow to
- ₹0
- Or invest once today
- ₹28,83,040
Plan · Freedom & Retirement
Retirement calculator
How much is enough.
Corpus you'll need
₹5.91 Cr
- Monthly expenses at retirement
- ₹2,57,511
- Years to retirement
- 25
- Years in retirement
- 25
- Savings will grow to
- ₹0
- Monthly SIP needed
- ₹31,142
Plan · Education Planning
Child education calculator
Fund the degree, not the guess.
Indian undergraduate degrees range widely; overseas master's often exceed ₹50 lakh.
Education costs have historically risen faster than general inflation.
Monthly SIP needed
₹22,342
- Years to go
- 13
- Cost when she starts
- ₹76,64,524
- Or invest once today
- ₹17,56,419
Understand · Compound Growth
CAGR calculator
The yearly rate behind any growth.
Compound annual growth rate
14.0%
- Absolute return
- 150.0%
- Gain
- ₹1,50,000
CAGR smooths the path into a single yearly rate. It does not show the ups and downs in between.
Understand · Purchasing Power
Inflation calculator
What today's money will cost tomorrow.
What ₹1.00 L of today costs in 15 years
₹2.40 L
- Future cost
- ₹2,39,656
- Today's ₹1.00 L will buy
- ₹41,727
A savings account paying less than inflation loses purchasing power every year, quietly.
Understand · Fee Transparency
PMS fee illustration
See exactly what our fees cost.
The SEBI minimum for PMS is ₹50 lakh.
Before any fees. Try a low year and a high year.
Fee structure used
2% a year fixed, charged monthly · 20% of returns above a 10% hurdle, with a high-water mark · 0.1% operating expenses · 1.5% exit load in year one only.
Value after fees
₹87.64 L
- Value before fees
- ₹1,00,56,786
- Total fees
- ₹12,93,222
- Fees as % a year (effective)
- 2.78%
Illustration only. Your actual fee depends on daily portfolio values, inflows and outflows, and the terms of your client agreement.
Understanding the math
A disciplined path to long-term wealth.
A systematic investment plan, or SIP, invests a fixed amount in a mutual fund every month. You buy more units when prices fall and fewer when they rise, so you never have to time the market.
These calculators assume each instalment goes in at the start of the period and compounds consistently at your selected rate. Real equity markets undergo volatility; the shape of disciplined compounding is what turns small habits into significant family wealth.
Frequently asked questions
What return should I assume for planning? add
For a diversified equity fund held ten years or more, conservative financial planners typically use 10% to 12%. For hybrid portfolios, 8% to 10%. For debt, 6% to 7%. Planning with lower expected returns provides a safety buffer.
Is the SIP amount locked in forever? add
No. You can raise, pause, reduce, or stop your SIP anytime with zero penalty. Increasing your monthly allocation annually via a Step-up SIP significantly accelerates compounding.
Do these numbers factor in capital gains tax? add
No. Figures reflect gross compounding before taxes. Gains on equity funds held over one year are taxed under Long-Term Capital Gains (LTCG) regulations subject to prevailing statutory exemptions.
A calculator gives a number. A plan gives a path.
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