Free Tools

Financial Calculators

Plan your wealth journey with precision. Use these free calculators to visualise your financial future.

SIP Calculator

Find out how much your monthly SIP investment will grow over time with compounding.

Monthly Investment ₹10,000
₹500₹2 Lakh
Time Period (Years) 15 Years
1 Yr40 Yrs
Expected Return (% p.a.) 12%
4%30%

Total Corpus

₹50.46 L
Invested ₹18 L · Gained ₹32.46 L

Wealth Breakdown

Returns

63%
Gains
Invested
Amount Invested ₹18.00 L
Estimated Returns ₹32.46 L
Total Value ₹50.46 L
Return on Investment 180%

Want to learn how to pick the right mutual funds and maximise your SIP returns?

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Lumpsum Calculator

Have a one-time amount to invest? See how it grows over time with compounding returns.

One-Time Investment ₹1,00,000
₹10K₹1 Cr
Time Period (Years) 15 Years
1 Yr40 Yrs
Expected Return (% p.a.) 12%
4%30%

Total Value

₹5.47 L
Your ₹1 Lakh grows to ₹5.47 Lakh

Growth Breakdown

Amount Invested ₹1.00 L
Estimated Returns ₹4.47 L
Total Value ₹5.47 L
Growth Multiple 5.47x

Learn when to do lumpsum vs SIP and how to time your investments like a professional.

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Financial Calculator

Excel-style TVM calculator. Rate, PMT, and NPER must all use the same period (monthly or yearly).

Sign Convention (like Excel): Cash going OUT = negative (e.g. investment, loan payment). Cash coming IN = positive (e.g. received amount, maturity value).

Period consistency: If Rate = 1% per month → NPER in months, PMT = monthly amount. If Rate = 12% per year → NPER in years, PMT = yearly amount.

Example (SIP): Rate = 1 (1%/month), NPER = 120 (months), PMT = -10000 (paying out), PV = 0 → Solve FV

Solve For:

Result

—

About These Variables

PV — Present Value Current lump-sum amount. Negative if you are paying it (investing today). Zero if starting from nothing.
FV — Future Value Final lump-sum value at the end. Positive if you receive it (maturity/corpus). Zero for loan payoff.
PMT — Payment per Period Recurring payment each period. Negative for SIP/EMI you pay. Positive for annuity you receive. Zero if no recurring payment.
NPER — Number of Periods Total number of periods. Must match the Rate period — if Rate is monthly, NPER is in months. If Rate is yearly, NPER is in years.
Rate — Rate per Period (%) Interest/return rate per period. For monthly: enter 1 for 1%/month (=12% p.a.). For yearly: enter 12 for 12%/year. This is NOT always annual.

Master TVM, valuation, and financial planning in the Complete Investing Masterclass.

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More Calculators Coming Soon

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Retirement

How much corpus do you need to retire comfortably?

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Buy vs Rent

Is buying a home better than renting and investing?

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Human Life Value

How much life insurance does your family need?

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Inflation Reality

How inflation silently destroys your savings.

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Gold vs Stocks

Historical comparison — where to put your money?

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Crorepati

Exactly when will you become a Crorepati?