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.
SIP Calculator — Calculate Monthly SIP Returns Online
A Systematic Investment Plan, or SIP, is one of the simplest and most effective ways to build wealth over time. The idea is straightforward: you invest a fixed amount every month into a mutual fund, and compound interest does the heavy lifting. Even small amounts — say Rs 5,000 a month — can grow into a substantial corpus over 15 or 20 years thanks to the power of compounding. SIP has become enormously popular in India because it removes the need to time the market and encourages a disciplined savings habit. Use the calculator below to see exactly how your monthly investments would grow at different return rates and time horizons. You can also model step-up SIPs where your contribution increases each year.
SIP Calculator
Systematic Investment Plan
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP lets you invest a fixed amount in a mutual fund at regular intervals — usually monthly. Instead of investing a large lump sum at once, you spread your investment over time. This approach helps you benefit from rupee cost averaging, where you buy more units when prices are low and fewer when prices are high, smoothing out market volatility over the long run.
How much should I invest monthly in a SIP?
That depends on your financial goals, timeline, and risk appetite. A common starting point is to invest 15-20% of your monthly income. You can start with as little as Rs 500 per month in most mutual funds. Use the calculator above to experiment with different amounts and see how they compound over time.
Is SIP better than lumpsum investment?
Neither is universally better — it depends on market conditions and your financial situation. SIP works well for salaried investors who want disciplined, regular investing without timing the market. Lumpsum can outperform if you invest at a market low. In practice, most investors benefit from SIP because it removes the emotional burden of trying to time the market.
What kind of returns can I expect from a SIP?
Returns depend on the type of fund and market conditions. Historically, equity mutual funds in India have delivered around 12-15% annualised returns over 10+ year periods, though this is not guaranteed. Debt funds typically return 6-8%. The real power of SIP lies in compounding — even modest monthly investments can grow significantly over 15-20 years.
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.