✦ Free Financial Calculators · ARN293004

Know Your Numbers Before You Invest

Professional-grade financial calculators — SIP, retirement, tax, EMI and more. Real math, instant results. Free for every Indian family.

📈 Mutual Fund & Wealth

SIP, ELSS & Mutual Fund Calculators

SIPs, lumpsum, ELSS, returns & more — your core wealth building tools

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SIP Calculator

Estimate how much your monthly SIP can grow over time

📌What it does: Calculates future value of regular monthly investments using compound interest

👤Who uses it: Salaried professionals, beginners, and anyone doing monthly SIPs

🎯What you get: Total corpus, amount invested vs returns earned

Enter the amount you plan to invest every month
Set the expected annual return (12% is a common long-term MF average)
Choose how many years you will stay invested
See your total corpus, invested amount, and returns instantly

Monthly SIP Amount

Expected Return (p.a.)

Time Period (years)

Total Corpus

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Invested

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Returns

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Lumpsum Calculator

Find the future value of one-time investments

📌What it does: Shows how a one-time investment grows with compounding over selected years

👤Who uses it: Investors using bonuses, maturing FDs, or windfall savings

🎯What you get: Final maturity value and total gain from your one-time investment

Enter the one-time amount you want to invest today
Set the expected annual return from your mutual fund
Choose how many years you will stay invested
See the final maturity value and your total gain

Investment Amount

Expected Return (p.a.)

Time Period (years)

Maturity Value

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Invested

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Gain

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Step-Up SIP Calculator

Also called Inflation-Adjusted SIP — increase your SIP every year as your salary grows

📌What it does: Calculates corpus when you increase your monthly SIP by a fixed % every year — matching salary hikes or inflation

👤Who uses it: Salaried professionals who get annual increments and want to grow their SIP accordingly

🎯What you get: Final corpus vs a flat SIP — shows exactly how much more wealth a step-up builds

Enter your current monthly SIP amount
Set the % by which you will increase SIP each year (10% is ideal)
Choose expected return rate and investment duration
See final corpus and how much MORE you earn vs a flat SIP

Starting Monthly SIP

Annual Step-Up %

Expected Return (p.a.)

Time Period (years)

Step-Up SIP Corpus

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Total Invested

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vs Flat SIP

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ELSS Tax Saving Calculator

Save tax under 80C and build wealth simultaneously with ELSS funds

📌What it does: Calculates your ELSS corpus growth AND the tax you save under Section 80C — two benefits in one calculator

👤Who uses it: Salaried taxpayers who want to save ₹46,800 in tax every year while building long-term equity wealth

🎯What you get: Total ELSS corpus, tax saved annually, and net effective return including tax benefit — the real power of ELSS

Enter the amount you invest in ELSS every month via SIP
Set the expected annual return (ELSS funds historically give 12–15%)
Choose your investment duration (minimum 3-year lock-in applies)
Select your income tax slab to calculate the exact tax you save
See total corpus, tax saved per year, and your net effective return

Monthly ELSS SIP

Expected Return (p.a.)

Investment Duration (years)

Your Income Tax Slab

Total ELSS Corpus

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Tax Saved Per Year

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Total Tax Saved

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Amount Invested

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SWP Calculator

Know how long your investment lasts with monthly withdrawals

📌What it does: Shows how long your corpus survives if you withdraw a fixed amount monthly

👤Who uses it: Retirees or anyone needing regular passive income from mutual funds

🎯What you get: Duration corpus survives and total amount withdrawn

Enter your total invested corpus in the fund
Set how much you want to withdraw every month
Choose the expected return rate on the remaining corpus
See how many years your money lasts and total withdrawn

Corpus Amount

Monthly Withdrawal

Expected Return (p.a.)

Corpus Lasts For

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Total Withdrawn

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CAGR Calculator

Know your average yearly growth rate from start to end

📌What it does: Finds your Compound Annual Growth Rate between an initial and final investment value

👤Who uses it: Equity, gold, or long-term investors comparing different investments

🎯What you get: Annualised return % and total gain over the period

Enter the amount you originally invested
Enter the current or final value of that investment
Choose how many years you held the investment
See your true annualised growth rate and total gain

Initial Investment

Final Value

Time Period (years)

Your CAGR

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Total Gain

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Growth

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Retirement Corpus Calculator

Estimate how much you need to retire comfortably

📌What it does: Calculates corpus needed at retirement based on today's expenses and inflation

👤Who uses it: Mid-career professionals and self-employed clients planning financial independence

🎯What you get: Target retirement corpus and SIP to start investing today

Enter your current age and the age you want to retire
Enter your total monthly household expenses today
Set the assumed inflation rate (6% is the standard)
See the corpus you need at retirement and the monthly SIP to start today

Current Age

Retirement Age

Monthly Expenses Today

Inflation Rate (%)

Corpus Needed at Retirement

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Monthly SIP Needed

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Child Education Planner

Plan for future education costs and SIP needed

📌What it does: Estimates inflated future cost of education and SIP needed today

👤Who uses it: Parents with newborns or school-going children planning for college

🎯What you get: Inflated future cost and monthly SIP required to meet it

Enter your child's current age
Set the age when education expenses will begin (e.g. 18 for college)
Enter today's approximate cost of the education you have in mind
Set education inflation rate (8% is standard in India)
See the future cost and monthly SIP needed to fund it comfortably

Child's Current Age

Education Goal Age

Current Education Cost

Education Inflation (%)

Future Education Cost

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Monthly SIP Needed

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PPF Calculator

Find out how much your PPF savings grow — completely tax-free

📌What it does: Calculates PPF maturity with annual compounding — EEE tax-free benefit

👤Who uses it: Long-term tax savers and salaried individuals in higher tax brackets

🎯What you get: Tax-free maturity, total invested, and interest earned — all 100% yours

Enter how much you invest in PPF every year (max ₹1.5L)
Set the current PPF interest rate (7.1% as of 2024)
Choose tenure — minimum 15 years, extendable in 5-year blocks
See your completely tax-free maturity amount under EEE status

Yearly Investment

PPF Rate (%)

Tenure (min 15 yrs)

PPF Maturity (Tax-Free)

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Total Invested

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Tax-Free Interest

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Inflation Adjusted Return

Find your real returns after accounting for inflation

📌What it does: Uses the Fisher Equation to show your real purchasing power gain after inflation

👤Who uses it: All investors comparing real vs nominal growth across equity, gold, FD

🎯What you get: Real rate of return and nominal vs inflation-adjusted value over 10 years

Enter your investment's nominal return rate (e.g. 12% for equity MF)
Set the current inflation rate in India (6% is standard)
Enter your investment amount
See your real return rate and true purchasing power gain over 10 years

Nominal Return (p.a.)

Inflation Rate (%)

Investment Amount

Real Rate of Return

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Nominal Value (10yr)

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Real Value (10yr)

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🏠 Loans & Insurance

EMI, Loan Prepayment & Insurance Calculators

EMIs, prepayment vs investing, life cover and health protection planning

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EMI Calculator

Calculate your loan EMI, total interest, and repayment

📌What it does: Calculates monthly EMI, total interest payable, and total repayment for any loan

👤Who uses it: Anyone taking a home loan, car loan, or personal loan

🎯What you get: Monthly EMI, total interest, and principal vs interest breakdown

Enter the loan amount you want to borrow
Set the interest rate offered by your bank or lender
Choose the loan tenure in years
See your monthly EMI, total interest paid, and principal breakdown

Loan Amount

Interest Rate (p.a.)

Loan Tenure (years)

Monthly EMI

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Principal

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Total Interest

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Term Insurance Coverage

Calculate exactly how much life cover your family actually needs

📌What it does: Uses Human Life Value method to calculate ideal term insurance cover based on income, age, and liabilities

👤Who uses it: Anyone with dependents — breadwinners, married couples, parents, and business owners

🎯What you get: Minimum recommended life cover so your family is financially protected if something happens to you

Enter your annual income (salary or business income)
Enter your current age
Enter total outstanding loans (home loan, car loan, etc.)
Enter number of people who depend on your income
See the minimum life cover your family needs if something happens to you

Annual Income

Current Age

Outstanding Loans

Number of Dependents

Minimum Cover Recommended

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Income Replacement

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Loans Covered

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Health Insurance Cover

Find out how much health insurance cover your family actually needs

📌What it does: Estimates adequate health insurance based on your city, family size, age, and rising medical inflation

👤Who uses it: Families and individuals reviewing their existing cover or buying health insurance for the first time

🎯What you get: Minimum recommended health cover and estimated annual premium range for your profile

Select your city from the dropdown — tier is auto-detected
Enter your age and total number of family members to insure
Enter any existing health cover you already have
See recommended cover, the gap in your current policy, and estimated annual premium

Your Age

Family Members to Cover

Your City Tier 2

Existing Cover (if any)

Recommended Cover

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Additional Cover Needed

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Est. Annual Premium

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IRR Calculator

Find the true annualised return on any investment with irregular cash flows

📌What it does: Calculates Internal Rate of Return — the actual % return earned on uneven investments or redemptions over time

👤Who uses it: Investors with multiple SIP instalments, partial withdrawals, or lumpsum + SIP combinations

🎯What you get: True annualised return (XIRR-style) so you can compare any investment fairly

Enter the total amount you invested initially
Enter the current market value of your portfolio today
Set how many years ago you started investing
Add any monthly SIP contribution if applicable
See your true annualised IRR — your real return on every rupee

Total Amount Invested

Current Portfolio Value

Investment Duration (years)

Monthly Contribution

Your IRR (Annualised Return)

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Total Invested

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Total Gain

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XIRR Calculator

Calculate annualised return on investments made at irregular intervals (SIPs, top-ups)

Total Invested (₹)

Current Value (₹)

Investment Duration (years)

Monthly SIP Amount (₹)

XIRR (Annualised Return)

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Total Invested

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Gain

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vs FD (7%)

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⚠️ Important Disclaimer

These tools are for informational and educational purposes only. They give a general idea of potential returns based on user inputs.

They do not guarantee or predict actual investment performance.
Results may vary based on market conditions, interest rates, inflation, taxation, and individual factors.
We strongly recommend reviewing your plan with a SEBI-registered Investment Adviser (RIA) before any financial decision.

Want a personalised plan based on your numbers?

Finaura™ (AMFI/NSE/BSE/IRDAI registered) — speak directly with Finaura™

Know Your Numbers Before You Invest.