Financial Calculators — Investment Calculators for India
Good financial decisions start with good numbers, and this is your one-stop hub for the calculators that Indian investors and savers reach for most. Whether you are working out how a monthly SIP will compound into a retirement corpus, comparing the EMI on a home loan, estimating the maturity value of a PPF or fixed deposit, or checking the CAGR your portfolio has delivered, you will find a purpose-built tool here — all free and requiring no sign-up. Each calculator uses Indian conventions: values are shown in rupees, deposit tools reflect current PPF and FD norms, and the tax calculator follows Indian income tax slabs. Beyond the basics, you can plan early retirement with the FIRE calculator, project your goals with the goal planner, work out the impact of inflation on your savings, and estimate trading costs with the brokerage and margin calculators. Pick a calculator below, adjust the inputs to match your situation, and see instant results with clear charts and year-by-year breakdowns to guide your planning.
FIRE Calculator — Financial Independence
Figure out when you can stop working for money. This calculator takes your current savings, monthly investment amount, expected returns, and annual expenses to estimate the year you reach financial independence. It factors in inflation so your target corpus grows realistically with rising costs. Whether you are pursuing lean FIRE, fat FIRE, or just want to know how close you are to optional work, this tool gives you a concrete timeline and shows how changes in savings rate or spending dramatically shift the finish line.
FIRE Calculator
Financial Independence
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is the FIRE number and how is it calculated?
Your FIRE number is the total investment corpus you need so that its annual returns cover your living expenses indefinitely. The most common approach uses the 4% rule — multiply your annual expenses by 25 to get the target. So if you spend Rs 6 lakh a year, your FIRE number is Rs 1.5 crore. The idea is that withdrawing 4% annually from a well-diversified portfolio should be sustainable over decades.
Does the 4% rule work in India?
The 4% rule originated from US market data and assumes a mix of stocks and bonds. In India, higher inflation (typically 6-7%) means you may need a more conservative withdrawal rate of 3% to 3.5%, or a larger corpus. On the other hand, Indian equity markets have historically delivered higher nominal returns. The safest approach is to stress-test your plan with a range of inflation and return assumptions.
How does savings rate affect the time to FIRE?
Savings rate is the single most powerful lever. Someone saving 20% of their income might need 35+ years to reach FIRE, while someone saving 60% could get there in under 12 years. This is because a higher savings rate works both ways — you accumulate more money faster, and you also prove you can live on less, which means your FIRE number is lower.
Frequently Asked Questions
Which financial calculator should I use first?
It depends on your goal. If you are a salaried investor starting to build wealth, the SIP calculator shows how monthly mutual fund investments compound over time. Planning a home or car purchase? The EMI calculator breaks down your loan repayments. For tax-saving deposits, try the PPF and FD calculators, and for retirement, the FIRE and retirement planners help you estimate the corpus you will need.
Are these calculators accurate for the Indian market?
Yes. Every calculator on WealthOrbit is built with Indian conventions in mind — amounts are shown in rupees, the PPF calculator uses the current government-notified interest rate and 15-year lock-in, and the tax calculator reflects Indian income tax slabs. That said, the results are estimates for planning purposes; actual returns, interest rates and tax liabilities can change, so always confirm with your bank, fund house or a qualified advisor.
Do I need to pay or sign up to use these calculators?
No. All calculators on WealthOrbit are completely free to use and require no registration or login. You can run as many scenarios as you like, adjust the inputs, and see instant results with charts and breakdowns. Nothing you enter is stored against an account — the calculations happen right in your browser so you can plan your finances privately and without any cost.
What is the difference between the SIP, lumpsum and CAGR calculators?
The SIP calculator projects returns when you invest a fixed amount every month, while the lumpsum calculator handles a one-time investment growing over a period. The CAGR calculator works the other way — it tells you the compounded annual growth rate an investment actually delivered between two values. Use SIP and lumpsum to plan future investments, and CAGR to measure the past performance of a stock, fund or portfolio.