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.
SWP Calculator — Withdrawal Plan
Plan how to draw a regular income from your mutual fund investments. Enter your invested corpus, desired monthly withdrawal, and expected fund return to see how long your money will last. The calculator shows the declining balance month by month, the total amount withdrawn, and whether your corpus survives the planned duration. SWP is one of the most tax-efficient ways to generate regular cash flow in retirement, and this tool helps you find the right withdrawal amount that balances income needs with corpus longevity.
SWP Calculator
Systematic Withdrawal Plan
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP lets you withdraw a fixed amount from your mutual fund investment at regular intervals — monthly, quarterly, or annually. The remaining corpus stays invested and continues to earn returns. It is the opposite of a SIP: instead of putting money in periodically, you take it out. SWP is popular among retirees who want a steady income stream without redeeming their entire investment at once.
How is SWP taxed?
Each SWP withdrawal is treated as a partial redemption, and only the capital gains portion is taxed — not the full withdrawal amount. For equity funds held over 1 year, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%. For debt funds, gains are taxed at your income tax slab rate. This makes SWP more tax-efficient than FD interest, where the entire interest amount is taxable every year.
How do I ensure my SWP corpus lasts long enough?
The key is to keep your withdrawal rate below your expected return rate. If your fund earns 10% and you withdraw 6%, the corpus grows over time. If withdrawals exceed returns, the corpus depletes. A withdrawal rate of 4-5% from an equity-oriented fund is generally considered sustainable over 25-30 years. Also consider stepping up withdrawals gradually rather than taking a large fixed amount from the start.
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.