Calculators
Useful arithmetic, honestly labelled
These show what a set of assumptions produces. They are not forecasts, and nobody — including us — can tell you what your actual return will be.
Every calculator here starts at an assumed 10% annual return because a number has to be filled in somewhere. Treat it as a dial, not a promise. Move it down and see what happens — that scenario is just as possible as the optimistic one.
SIP calculator
What a fixed monthly investment could look like over time, at a rate of return you choose.
Many schemes accept a SIP from ₹100 a month. Type any amount, or drag to explore.
An assumption you choose between 1% and 12% — not a forecast, and not a rate anyone is offering you.
Illustrative value
₹4,13,104
- Total invested
- ₹2,40,000
- Illustrative gain
- ₹1,73,104
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
FV = P × ((((1 + i)ⁿ − 1) ÷ i) × (1 + i)), where P is the monthly amount, i is the monthly rate (10% ÷ 12) and n is the number of months (10 × 12).
Each instalment is assumed to be invested at the start of the month and to compound monthly. Real investments do not grow at a constant rate — this is arithmetic, not a forecast.
Step-up SIP calculator
What happens when the monthly amount rises each year, roughly in step with your income.
Type any amount from ₹100 to ₹5,00,000, or drag to explore.
An assumption you choose between 1% and 12% — not a forecast, and not a rate anyone is offering you.
Illustrative value
₹6,09,170
- Starting monthly
- ₹2,000
- Final year monthly
- ₹4,716
- Total contributed
- ₹3,82,498
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
Simulated month by month rather than with a single formula: each month the balance grows at the monthly rate (10% ÷ 12), and every twelfth month the contribution increases by 10%.
A step-up assumes your income actually rises and that you keep raising the amount. Neither is guaranteed.
Lumpsum calculator
What a one-time investment could look like over time, at a rate of return you choose.
From ₹100 upward. Type the exact amount, or drag for a rough look.
An assumption you choose between 1% and 12% — not a forecast, and not a rate anyone is offering you.
Illustrative value
₹1,29,687
- Invested
- ₹50,000
- Illustrative growth
- ₹79,687
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
FV = P × (1 + r)ⁿ, where P is the amount invested, r is the assumed annual rate (10%) and n is the number of years (10), compounded annually.
A single constant rate is a simplification. Actual returns vary year to year, including downward.
Goal planner
Working backwards from an amount you have in mind, to the monthly investment it would take at a rate you choose.
Type any amount from ₹1,000 to ₹10,00,00,000, or drag to explore.
An assumption you choose between 1% and 12% — not a forecast, and not a rate anyone is offering you.
Monthly investment it would take
₹4,841
- Total you would put in
- ₹5,80,967
- Difference, if the assumption holds
- ₹4,19,033
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
This inverts the SIP formula: P = FV ÷ ((((1 + i)ⁿ − 1) ÷ i) × (1 + i)), where FV is the target, i is the monthly rate (10% ÷ 12) and n is 10 × 12 months.
It tells you what the arithmetic requires, not what any investment will deliver. If the number looks impossible, the useful response is usually more time rather than a higher assumption.
Withdrawal calculator
If you draw a fixed amount every month and the rest stays invested, how long the money lasts.
Type any amount from ₹10,000 to ₹10,00,00,000, or drag to explore.
Type any amount from ₹500 to ₹10,00,000, or drag to explore.
An assumption you choose between 1% and 12% — not a forecast, and not a rate anyone is offering you.
How long it would last
Longer than 100 years
- Withdrawn each year
- ₹3,00,000
- Why
- Growth covers the withdrawal
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
Simulated month by month: the balance grows at 10% ÷ 12, then the withdrawal is taken, until nothing is left.
A constant rate is a large simplification here. A real portfolio can fall early in the withdrawal period, which drains it faster than any steady-rate figure suggests.
What it will cost later
The same thing, priced in future rupees. Worth doing before any of the calculators above.
Type any amount from ₹1,000 to ₹10,00,00,000, or drag to explore.
An assumption you choose. India's long-run average has been mid-single digits, but it moves.
Likely cost then
₹23,96,558
- Cost today
- ₹10,00,000
- Increase
- ₹13,96,558
Illustration only, based on an assumed rate of return. Actual returns are not guaranteed and may be negative.
How is this calculated?
Cost × (1 + inflation)ⁿ, with inflation at 6% and n = 15 years.
This is why money left in a current account loses ground even though the number on the statement never falls.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.