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.
Inflation Calculator — Future Value
See what today's money will be worth in the future — or what a future expense will cost in today's terms. This calculator shows how inflation silently erodes purchasing power over time. Enter any amount and the number of years to see how much more you will need to maintain the same standard of living. It is especially useful for setting realistic targets for retirement, education, and other long-term goals where ignoring inflation means falling short by lakhs.
Inflation Calculator
Inflation impact on money
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How does inflation reduce the value of money?
Inflation means the general price level rises over time, so the same amount of money buys less in the future. If inflation averages 6% per year, something that costs Rs 100 today will cost about Rs 179 in 10 years. Your money is not disappearing — it is just losing purchasing power. This is why keeping large amounts in a savings account earning 3-4% actually results in a net loss of wealth in real terms.
What inflation rate should I use for financial planning in India?
India's CPI inflation has averaged around 5-6% over the past decade, but the number that matters for your plan depends on what you are saving for. Education inflation runs at 8-10%, healthcare at 10-12%, and general living costs at 5-7%. Using a single blanket rate of 6-7% is reasonable for most calculations, but for specific goals like education or medical expenses, use the higher category-specific rates.
How can I protect my savings from inflation?
The key is to invest in assets that consistently beat inflation. Equity mutual funds and stocks have historically returned 10-14% annually over the long term, comfortably outpacing inflation. Real estate and gold also tend to keep up with or exceed inflation. Fixed deposits and savings accounts, while safe, typically lag behind inflation after accounting for taxes. A diversified portfolio tilted toward equities for long-term goals is one of the most effective inflation hedges.
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.