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.
Retirement Calculator — Corpus Planning
Work out how much you need to save each month to retire comfortably. This calculator takes your current age, desired retirement age, monthly expenses, and expected inflation to determine the corpus you will need. It then calculates the monthly investment required to reach that number based on your expected returns. You can also factor in existing savings, EPF balance, and any expected pension to get a realistic picture of where you stand and what you still need to build.
Retirement Calculator
Retirement planning
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How much corpus do I need for retirement in India?
A common rule of thumb is to accumulate 25-30 times your annual expenses at the time of retirement. If you expect to spend Rs 50,000 per month (Rs 6 lakh per year) at retirement, you would need Rs 1.5 to 1.8 crore. However, this must be adjusted for inflation — if retirement is 20 years away, that Rs 6 lakh in today's terms becomes roughly Rs 19 lakh at 6% inflation, pushing the corpus to Rs 4.8 to 5.7 crore.
At what age should I start planning for retirement?
As early as possible. Starting at 25 instead of 35 can cut your required monthly investment nearly in half, thanks to the extra decade of compounding. Even small amounts invested in your twenties grow disproportionately large by retirement. If you are already in your 30s or 40s, do not let that discourage you — starting now is still far better than postponing further. The calculator shows exactly how timing affects the numbers.
Should I factor in pension or EPF in my retirement plan?
Yes, if you have an EPF balance or expect a pension from your employer or NPS, include it as part of your retirement income. This reduces the additional corpus you need to build. However, be conservative — pension schemes can change, and EPF alone rarely covers full retirement expenses. Treat any guaranteed income as a base and plan for the gap separately through mutual funds, stocks, or other investments.
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.