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.
Goal Calculator — Investment Planning
Plan exactly how much you need to invest each month to hit a specific financial target. Whether it is buying a home, funding education, building a marriage corpus, or any other milestone, this calculator works backward from your goal amount and tells you the monthly SIP required. It adjusts for inflation so your target reflects what things will actually cost in the future, and it accounts for any savings you already have. The result is a clear, actionable number you can set up as a recurring investment today.
Goal Calculator
Goal-based investment
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How do I set a realistic financial goal?
Start with the current cost of what you want — a house down payment, your child's education, or a car — and then adjust it for inflation over the number of years until you need the money. For example, if a goal costs Rs 10 lakh today and you need it in 10 years, at 7% inflation the actual target is roughly Rs 20 lakh. Working with inflation-adjusted numbers prevents you from falling short.
What return rate should I assume for goal planning?
It depends on your time horizon and risk appetite. For goals more than 7 years away, equity mutual funds historically deliver 10-12% CAGR. For 3-7 year goals, a balanced or hybrid fund at 8-9% is more realistic. For goals under 3 years, stick with debt funds or FDs at 6-7%. Always use post-tax returns for accuracy, and consider running the calculation with both optimistic and conservative estimates.
Should I account for existing savings toward my goal?
Absolutely. If you already have some money set aside, enter it as the initial investment. The calculator will factor in the growth of that lump sum alongside your monthly contributions, which usually reduces the SIP amount you need. Ignoring existing savings leads to over-saving, while accounting for them gives you a more accurate and achievable monthly target.
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.