Financial Calculators & Planning Tools
Interactive calculators with real-time charts, year-by-year breakdowns, and scenario analysis. Plan every financial decision with precision and clarity.
Wealth & SIP Calculators
Plan your investments, compare strategies, and project long-term wealth growth
SIP Future Value Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding.
Step-Up SIP Calculator
Model the impact of increasing your SIP amount annually. Compare regular vs step-up SIP.
Goal-Based SIP Calculator
Find the exact monthly SIP for your goal. 3-scenario analysis included.
Inflation-Adjusted SIP
See the real value of your SIP after accounting for inflation over time.
Retirement SIP Planner
Calculate the monthly SIP needed for your retirement corpus.
SWP Calculator
Plan systematic withdrawals. See how long your money lasts.
SWP + SIP Combo (Safety + Return)
Lumpsum in BAF → monthly SWP routed as SIP into Small Cap. The "safety bhi, return bhi" strategy.
Lumpsum Investment Calculator
Model lumpsum scenarios with future investments and planned withdrawals.
SIP vs Lumpsum Comparison
Compare monthly investing vs lump sum side-by-side with detailed charts.
SIP Duration Optimizer
Find how long it takes to reach your target amount with a given monthly SIP.
Market Correction Impact
Simulate a market crash and see how corrections affect your SIP portfolio.
Life-Stage Planner
Plan your financial journey through 3 life stages — Invest, Grow, Withdraw.
Lifeline Investment Tool
Professional-grade tool — add SIPs, lump sums, withdrawals at any year.
Daily SIP Calculator
Calculate returns on daily investments — calendar or working days.
FIRE Calculator
Calculate your Financial Independence number and years to early retirement.
Cost of Delay Calculator
See how procrastination destroys wealth. Compare delay scenarios.
Bucket Strategy Calculator
Divide retirement corpus into safety, income, and growth buckets for sustainable withdrawals.
SIP Shield Calculator
Let your SIP pay your premiums and EMIs. See how investments can cover life's fixed costs.
PSU Retirement Benefits Planner
Project total retirement corpus across PF, VPF, Gratuity, Leave Encashment, NPS & Pension — built for PSU and Govt employees.
Loan Calculators
Compare loans, plan prepayments, and make smarter borrowing decisions
EMI Calculator
Calculate EMI for home, car, personal, or education loans with amortization schedule.
Loan Prepayment Calculator
See how extra payments reduce your loan tenure and total interest.
Car Loan vs Cash Calculator
Should you take a car loan or pay cash? Compare with opportunity cost analysis.
Home Affordability Calculator
3-tier FOIR analysis to find how much house you can afford.
Tax Calculators
Compare tax regimes, plan deductions, and calculate capital gains
Income Tax Calculator
Compare Old vs New tax regime with FY 2026-27 slabs and HRA exemption.
Capital Gains Tax Calculator
Calculate STCG/LTCG tax for equity, debt, property, and gold post-Budget 2024.
Tax Saving Calculator
Plan deductions under 80C, 80D, 80CCD(1B), and 24(b) to minimize taxes.
PPF vs ELSS vs NPS (80C)
The honest Section 80C showdown. PPF (7.1%) vs ELSS (12%) vs NPS (10%) over 15-40 years — post-tax outcomes + Smart Mix.
Home Loan Tax Shield
Year-by-year rupee tax saving on your home loan — Old vs New regime. Under New regime, self-occupied gets ZERO benefit.
Advance Tax Calculator
FY 2026-27 quarterly advance tax schedule — 15%/45%/75%/100% installments with 234B/234C interest for professionals & business owners.
Insurance Calculators
Calculate your ideal life and health insurance coverage
Human Life Value Calculator
Income replacement method to find your ideal life insurance cover.
Term Insurance Calculator
Needs-based approach to find adequate term insurance with gap analysis.
Health Insurance Calculator
City-tier, family, and age-based calculation with medical inflation projection.
Term Plan: Regular + SIP vs Limited Pay
Unique calculator: prove Regular Pay + SIP beats Limited Pay with bonus corpus at maturity.
Insurance IRR/XIRR Calculator
Decode what your life insurance policy is really yielding. Enter premium outflows, benefit inflows, and see the true IRR vs a Mutual Fund alternative.
Surrender vs Continue Calculator
Mid-policy? See the rupee delta between surrendering now + investing in MF vs continuing premiums to maturity. Break-even IRR + verdict.
Mutual Fund vs ULIP Showdown
The honest 20-year comparison: ULIP charges vs MF + Term combo. See the exact rupee gap — usually ₹30-80L over 20 years.
ULIP IRR Analyzer
Decode what your ULIP actually earns after ALL charges — allocation, FMC, admin, mortality. Year-by-year NAV erosion with real IRR.
Critical Illness Cover Planner
The most underinsured risk in urban India. Size your CI cover based on treatment costs, income loss, and existing policies.
Family Goal Planning
Build clear financial roadmaps for your child's education, marriage (son or daughter), and girl-child schemes
Child Education Planner
Project future education cost (India/Abroad) with 9 stream presets — MBBS, IIT, IIM, US UG/PG — and find the monthly SIP needed. Now with fixed-₹ or % step-up.
Marriage Planner
Plan a wedding (son or daughter) with gold-inflation-aware projections. Split between Equity SIP and Sovereign Gold Bonds. Now with fixed-₹ or % step-up.
Sukanya Samriddhi Yojana Planner
For girl child under 10 — project SSY corpus at 21 (and 18 for education), compare vs PPF + Equity MF, and see Sec 80C tax savings.
Retirement & Post-Retirement
Decumulation tools — architect your monthly income, withdrawal rate, and home-equity unlocks
Senior Citizen Income Architect
Auto-allocate retirement corpus across SCSS, POMIS, RBI Bonds, Tax-Free Bonds, FDs and MF SWP for maximum post-tax monthly income.
Reverse Mortgage Calculator
Turn home equity into monthly income without selling. Compare Reverse Mortgage Loan (RML) and RML-enabled Annuity (RMLeA) vs sell-and-SWP.
Safe Withdrawal Rate (India)
India-calibrated SWR with Monte Carlo confidence intervals. The 4%-rule for 6% inflation and 12% equity — across 25-40 year horizons.
Annuity Decoder
Decode immediate vs deferred, single vs joint, with/without Return of Purchase Price. See the IRR of each variant so ROP myth is exposed.
Life Decision Calculators
Make smarter financial decisions with behavioral finance tools
Emergency Fund Calculator
Find your ideal emergency fund based on expenses, dependents, and job stability.
Net Worth Calculator
Track assets and liabilities with wealth score and debt-to-asset ratio.
Rent vs Buy Calculator
Compare renting vs buying with break-even analysis and opportunity cost.
Break FD vs Take Loan
Should you break your FD or take a loan? Compare net cost with tax impact.
Lifestyle Inflation Calculator
See how lifestyle creep erodes your savings rate over time.
Real Estate Actual Return
The honest property IRR — stamp duty, interest, maintenance, brokerage, capital gains. Usually 4-7%, not the 10% you think.
Asset Allocation Rebalancer
Quantify portfolio drift, rupee-level rebalancing actions, and the tax-efficient sell sequence across Equity/Debt/Gold/Real Estate.
NRI & Global
NRI-specific tools for deposit comparison and cross-border money decisions
Interest & Returns
The core maths of money — solve any time-value problem and measure returns the right way
FD vs Gold vs Silver vs Mutual Fund
The Growth Ledger — build a plan (lump sum, SIP, even SWP) and see where the same money lands in a Bank FD, Gold, Silver, and an Equity Mutual Fund.
TVM Calculator
The universal time-value-of-money solver — find any of PV, FV, payment, rate, or tenure from the other four.
Compound Interest Calculator
Maturity value at any compounding frequency, with a Rule-of-72 doubling timeline and simple-vs-compound comparison.
CAGR & Returns Calculator
Convert between absolute return and CAGR — and see why a 100% gain over 6 years is only ~12% a year.
XIRR, IRR & NPV Calculator
Enter dated cash flows and get your true money-weighted return — the same XIRR your CAS statement shows.
Savings Schemes & Guides
Every Indian savings scheme — PPF, FD, RD, Sukanya, NPS, EPF, bonds, tax and insurance — each with a calculator and a complete, verified guide
Public Provident Fund (PPF)
A 15-year, government-backed, fully tax-free savings scheme.
Bank Fixed Deposit (FD) — TDR & STDR
The classic FD — choose regular interest payout (TDR) or compounding (STDR).
Recurring Deposit (RD)
Save a fixed amount every month at a fixed rate — disciplined, guaranteed saving.
Sukanya Samriddhi Account (SSA/SSY)
The highest-rate small-savings scheme — for a girl child's education and marriage.
Senior Citizens Savings Scheme (SCSS)
Quarterly income at 8.2% for those 60 and above — capital fully secure.
National Savings Certificate (NSC)
A 5-year, fixed-rate certificate with an 80C tax break — no upper limit.
Kisan Vikas Patra (KVP)
Doubles your money in a fixed number of months — simple and guaranteed.
National Pension System (NPS)
A low-cost, market-linked pension — build a corpus, then draw a lifelong pension.
Employees’ Provident Fund (EPF)
The salaried retirement default — 12% of you, 12% of your employer, at 8.25%.
Atal Pension Yojana (APY)
A guaranteed ₹1,000–₹5,000 monthly pension for the unorganised sector.
Gratuity
A lump-sum reward for long service — (15 ÷ 26) × last salary × years.
Unified Pension Scheme (UPS)
An assured 50% pension for central government employees — live from April 2025.
RBI Floating Rate Savings Bond (FRSB)
A sovereign bond paying one of the highest safe rates — 8.05%, reset every 6 months.
Sovereign Gold Bond (SGB)
Gold in paper form with 2.5% extra interest — but no new issues are being sold.
54EC Capital Gains Bonds
Save tax on property/asset capital gains by parking up to ₹50 lakh for 5 years.
Income Tax — New vs Old Regime
The two regimes, the slabs, and how income up to ₹12 lakh can be tax-free.
Capital Gains Tax
How gains on shares, funds, property and gold are taxed after the 2024 overhaul.
Term Life Insurance
The cheapest, purest life cover — a large sum for your family if you're not around.
Personal Accident Insurance
Cheap cover for death or disability from an accident — the gap term & health leave.
Health Insurance
Protect your savings from hospital bills — the cover every family needs first.
Quick Access
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Calculator Disclaimer: Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. AMFI Registered Mutual Fund Distributor and SIF Distributor; APMI Registered PMS Distributor | ARN-286886 | Investors are advised to deal only with SEBI Registered Mutual Fund Distributors. Please verify the registration status at www.amfiindia.com.