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.
Margin Calculator — Trading Margin
Check how much margin you need before placing an order. This calculator covers equity delivery, intraday, futures, and options segments with SPAN and exposure margin breakdowns. Knowing your margin requirement upfront prevents order rejections and helps you plan position sizes around your available capital. It also shows the leverage available for different trade types so you can assess risk before committing to a position.
Margin Calculator
Margin requirement
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is margin in stock trading?
Margin is the capital your broker requires you to deposit before placing a trade. For intraday equity trades, brokers may let you trade with 5-10x leverage, meaning you only need a fraction of the trade value upfront. For futures, SEBI mandates SPAN margin plus exposure margin. For options buying, you pay the full premium, but option selling requires significant margin. Understanding margin requirements helps you size your positions correctly.
What happens if I get a margin call?
A margin call occurs when your account balance falls below the required maintenance margin due to adverse price movement. Your broker will ask you to deposit additional funds immediately. If you do not, the broker can square off your positions at market price to recover the shortfall. This can lock in losses you were hoping to ride out. Always maintain a buffer above the minimum margin to avoid forced liquidation.
How did the SEBI peak margin rules change things?
SEBI introduced peak margin rules requiring brokers to collect margins upfront based on the peak exposure during the day, not just the end-of-day position. This means brokers can no longer offer excessive leverage for intraday trading. The maximum leverage available has reduced across the board, making it important to check exact margin requirements before placing orders, especially for F&O trades.
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.