SIP projections that actually account for step-up investments. SWP calculator that tells you when your corpus runs out. FD maturity with TDS. Profit margins, CAGR, and ROI — all in one place.
Eight calculators for investors, business owners, and anyone planning their financial future - from monthly SIP to retirement corpus drawdown.
Type "SIP calculator" into any search engine and you'll find a dozen tools that let you enter a monthly amount, a return percentage, and a tenure - and they'll spit out a corpus number. Most of them stop there.
The problem is that a straight-line return assumption doesn't capture how wealth actually accumulates. A ₹10,000/month SIP for 20 years at 12% gives a corpus of around ₹98 lakh. But if you use a step-up SIP - increasing the monthly amount by 10% every year (roughly in line with salary increments) - the same investment grows to ₹1.9 crore. That's nearly double, and it's a more realistic representation of how people actually invest through their careers.
Our SIP calculator supports step-up investments. It shows the corpus year by year, and it also compares what the same total contribution would have returned in an FD - so you can see the actual opportunity cost of playing it safe with a fixed deposit.
The SWP calculator is the withdrawal equivalent of the SIP calculator, and it's significantly more useful than most versions online. Instead of just one mode, it has three: how long will a corpus last at a given monthly withdrawal? What is the maximum monthly amount I can sustainably withdraw? And how much corpus do I need to generate a specific monthly income for a fixed number of years?
Starting a SIP in your 30s: Enter ₹15,000/month with a 10% annual step-up over 25 years. At 11% assumed return, the SIP calculator shows your retirement corpus. Then run the SWP calculator in reverse: how much monthly income can you draw from that corpus for 30 years of retirement?
Evaluating a business investment: You invested ₹5 lakh in a business 4 years ago. You've received ₹2.5 lakh back so far and the business is now worth ₹8.5 lakh. The ROI calculator breaks down your total return, annualised CAGR, and compares it against what you'd have made investing that ₹5 lakh in a Nifty index fund instead.
Pricing a product: The profit margin calculator works in both directions. Enter your cost and the selling price, and it shows gross margin. Or enter your cost and the margin you want, and it tells you the price to charge. A common confusion: margin and markup are not the same. A 50% markup means you add 50% to cost (₹100 cost → ₹150 price), which is only a 33% profit margin. The calculator explains both and shows why the distinction matters.
Comparing FD rates: Enter the principal, rate, and tenure for two different FDs side by side. The FD calculator correctly applies quarterly compounding (the standard for Indian bank FDs) and shows the effective annual yield, not just the nominal rate - so a 7% FD compounded quarterly actually yields 7.19%.
Retirement planning with SWP: Use the three-mode SWP calculator to find the safe withdrawal rate for your corpus size and expected fund return. For ₹1 crore at 10% annual return, the monthly safe withdrawal (where corpus never depletes) is about ₹83,333. Any more than that, and you're drawing down principal.
Conservative but realistic: 10-12% CAGR for large-cap equity funds over a 15+ year horizon. Mid-cap and small-cap funds have historically delivered 14-18%, but with significantly more volatility - they're not appropriate as the only assumption. For hybrid/balanced funds, 8-9%. For debt funds, 6-7%. The key principle: use a conservative number for planning, and be pleasantly surprised if markets do better.
Most bank FDs compound quarterly (every 3 months). The effective annual yield is slightly higher than the nominal rate: a 7% FD compounded quarterly yields 7.19% effectively. Non-cumulative FDs pay interest monthly or quarterly without reinvesting it - so they're useful for regular income but don't benefit from compounding. TDS at 10% is deducted on annual interest above ₹40,000 (₹50,000 for senior citizens).
The 4% rule says you can withdraw 4% of your retirement corpus annually without running out of money over a 30-year retirement. It was designed for a US portfolio with 60% equity/40% bonds earning ~7% real return. For India, with higher inflation (~6%) but also higher equity returns (~12%), a 5-6% safe withdrawal rate is considered more appropriate by Indian financial planners. Our SWP calculator lets you test different withdrawal rates against different return assumptions.
ROI (Return on Investment) is total return as a percentage: (Final − Initial) ÷ Initial × 100. It doesn't account for how long the investment was held. CAGR (Compound Annual Growth Rate) is the annualised rate that, if applied consistently, would take you from the initial to the final value in the given time period. CAGR is more useful for comparing investments with different holding periods - a 50% ROI in 2 years (26% CAGR) is much better than 50% ROI in 10 years (4.1% CAGR).
Useful investment calculators with realistic assumptions, step-up SIP, three-mode SWP, and honest comparisons with FD alternatives.