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.
Lumpsum Calculator — One-Time Investment
See how a single investment grows over time with the power of compound interest. Enter your lump sum amount, expected annual return, and investment duration to get a clear picture of future value, total returns, and a year-by-year breakdown. This calculator is ideal for anyone who has received a bonus, inheritance, or maturity proceeds and wants to understand how deploying it into mutual funds, stocks, or other instruments will compound over the years.
Lumpsum Calculator
One-time investment returns
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
When is a lump sum investment better than SIP?
Lump sum tends to outperform SIP when markets are near a bottom or in a strong uptrend, because all your money starts compounding immediately. Historically, lump sum beats SIP about two-thirds of the time over long periods simply because markets trend upward. However, SIP reduces the emotional stress of timing the market and is better suited for regular income earners who invest monthly.
How does compounding affect a one-time investment?
Compounding turns your returns into a snowball. In the early years, growth looks modest, but over time the curve steepens dramatically. A Rs 1 lakh lump sum at 12% annual return becomes Rs 3.1 lakh in 10 years, Rs 9.6 lakh in 20 years, and Rs 30 lakh in 30 years. The last decade alone added Rs 20 lakh — that is the magic of compounding working on a larger base.
What expected return should I use in the calculator?
Use returns that match the asset class you plan to invest in. For equity mutual funds, 10-12% is a reasonable long-term assumption. For debt funds, 6-8%. For index funds tracking Nifty 50, historical CAGR has been around 11-12% over 15+ year periods. Avoid using short-term bull market returns as your assumption — they will overstate what you are likely to earn over a full market cycle.
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.