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.
PPF Calculator — Provident Fund Returns
Estimate how much your Public Provident Fund account will grow over its 15-year tenure and beyond. Enter your yearly deposit amount and the current interest rate to see the maturity value, total interest earned, and a year-by-year growth table. PPF remains one of the safest long-term savings options in India with guaranteed returns and full tax exemption on contributions, interest, and maturity. This calculator helps you plan your 80C investments and see how consistent deposits build a substantial tax-free corpus.
PPF Calculator
Public Provident Fund
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How does PPF interest get calculated?
PPF interest is calculated on the lowest balance between the 5th and the last day of each month, then compounded annually at the end of the financial year. This means deposits made after the 5th of a month do not earn interest for that month. To maximise returns, deposit your annual contribution before April 5th each year so your entire amount earns interest for all 12 months.
What are the tax benefits of PPF?
PPF enjoys EEE (Exempt-Exempt-Exempt) status, making it one of the most tax-efficient instruments available. Your annual contribution up to Rs 1.5 lakh qualifies for Section 80C deduction, the interest earned is completely tax-free, and the maturity amount is also exempt from tax. No other fixed-income investment in India offers this triple tax advantage.
Can I extend my PPF account beyond 15 years?
Yes, after the initial 15-year lock-in, you can extend your PPF account in blocks of 5 years indefinitely, with or without additional contributions. If you extend with contributions, you continue to get the Section 80C benefit and earn tax-free interest. Many long-term investors keep their PPF running well beyond 15 years as a low-risk, tax-free component of their portfolio.
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.