15 free calculators · No signup

SIP, mutual fund & banking calculators.

Every calculator in one place — plan a SIP, project a lumpsum, model withdrawals, or size an EMI. Instant results with ₹ formatting, growth charts, and yearly breakdowns.

Calculator directory

Mutual funds

SIP variations

Lumpsum variations

Banking & income

Free investment calculators for SIP, lumpsum, and banking

15 calculators for mutual fund and banking planning, all free and all in the browser. Most people start with the SIP calculator and move to whichever variation matches their situation — rising contributions, fund fees, inflation, or a one-time amount. Every tool formats in rupees and stays readable across horizons from three years to forty.

Which calculator should you use?

If you want to…	Use this calculator
Invest a fixed amount every month	SIP calculator
Increase your SIP each year with your salary	Step-up SIP calculator
Invest a bonus or savings in one go	Lumpsum calculator
Draw regular income from an existing corpus	SWP calculator
See how fund fees eat into returns	SIP or lumpsum expense ratio calculator
See your corpus in today’s rupees	SIP or lumpsum inflation calculator
Compare a bank deposit instead	FD calculator or RD calculator
Size a loan repayment	EMI calculator
Check the payout and yield on a dividend stock	Dividend yield calculator
Work out share price and share count after a split	Stock split calculator
Check the listing gain on an IPO allotment	IPO return calculator

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan lets you invest a fixed amount in mutual funds at a chosen frequency — monthly by default, or weekly, fortnightly, quarterly, or yearly. Instead of timing a single market entry, you average purchase cost over time. What you want from a projection is the invested capital, the estimated returns, and the maturity value side by side, so you can judge whether a contribution level is worth committing to before you start or raise a SIP.

Increasing your SIP as income grows

Income usually rises over a career, and a SIP frozen at your first-job number under-uses that growth. The step-up SIP calculator raises contributions by a percentage each year, so the plan tracks salary hikes instead of inflation quietly eroding it.

Expense ratio and why fees matter

Expense ratio is the annual fee a fund charges to manage the scheme. It sounds small and compounds badly: a gap of 0.5%–1% turns into lakhs over 10–20 years. The SIP expense ratio calculator nets the fee off your expected return and puts the difference in rupees, which is the honest way to compare a regular plan against a direct one.

Inflation-adjusted planning

A corpus can look large in future rupees and still fall short of what it needs to buy. The SIP inflation calculator and lumpsum inflation calculator restate a future corpus in today’s money, so you can see how much purchasing power the horizon costs you.

One-time investments

Not every investment is monthly. Bonuses, maturity proceeds, or idle cash usually go in as a single amount, and the lumpsum calculator projects that case. The question worth asking is whether to invest idle cash now or drip it in over a year — run both this and the SIP calculator on the same money and compare. Fee and inflation views are on the lumpsum expense ratio and lumpsum inflation pages.

Drawing income from a corpus

Once a corpus exists, the problem flips from accumulation to withdrawal. A Systematic Withdrawal Plan redeems a fixed amount periodically while the balance stays invested. The SWP calculator shows the remaining corpus month by month and warns you when the withdrawal rate would exhaust it before your planned end date.

Bank deposits and loans

Beyond mutual funds, the FD calculator and RD calculator cover fixed and recurring deposits, and the EMI calculator sizes a loan repayment before you commit to it.

How to use these calculators

Pick the calculator that matches your goal from the directory above.
Enter your amount in ₹ and choose frequency or compounding.
Set expected annual return or interest rate.
Choose tenure in years — including long, multi-decade horizons.
Review corpus, returns, growth chart, and yearly breakdown instantly.

All calculations run in your browser — no login, no account, and no personal data required. Estimates are for education and planning only and are not investment advice or guaranteed returns.

FAQ

Frequently asked questions

Which calculator should I start with?

If you invest a fixed amount every month, start with the SIP calculator. If you are putting in a one-time amount such as a bonus, use the lumpsum calculator. If you already have a corpus and want regular income from it, use the SWP calculator.

What does a SIP projection actually tell me?

It estimates what regular mutual fund contributions could grow to at an assumed rate of return. You enter the amount, how often you invest, an expected annual return, and the tenure; the result splits your total contributions from the estimated returns so you can see how much of the corpus is your own money.

What is a step-up SIP?

A step-up SIP increases your contribution by a fixed percentage every year, usually to track salary growth. Over a long tenure this builds a noticeably larger corpus than a SIP frozen at the starting amount, because the later, bigger instalments still get years of compounding.

What is a SWP?

A Systematic Withdrawal Plan redeems a fixed amount from a mutual fund at regular intervals while the rest of the corpus stays invested. It is the usual way to turn accumulated savings into retirement income, and the risk to watch is withdrawing faster than the corpus grows.

What is expense ratio, and how much does it matter?

Expense ratio is the annual fee a fund charges to manage the scheme, as a percentage of assets. It matters more than the size of the number suggests: a 0.5%–1% difference compounds into a gap of lakhs over 10–20 years, which is why direct plans usually beat regular plans on the same fund.

How is inflation handled in these projections?

The core calculators show nominal values — future rupees. The inflation calculators restate that corpus in today’s money by dividing by (1 + inflation) raised to the number of years, which is the figure that tells you whether the goal is actually funded.

SIP or lumpsum — which is better?

They suit different situations rather than ranking against each other. A SIP averages your purchase cost over time and matches a salary, while a lumpsum puts more capital to work sooner, which helps if markets rise after you invest and hurts if they fall. Cash flow usually decides it for you.

How much should I invest every month?

Work backwards rather than picking a round number. Start from the corpus you need and when you need it, then find the contribution that gets you there at a conservative return — and check that you can sustain it through a bad year. An abandoned large SIP does worse than a modest one you keep.

What return assumption should I use?

There is no correct figure, only a defensible one. Long-term equity illustrations commonly use 10%–12% a year and debt-oriented plans rather less. Assume conservatively: a projection that only works at 15% is a projection that will disappoint.

Are these calculators free to use?

Yes. Every calculator here is free, needs no account, and runs entirely in your browser — your inputs are never sent to a server.

Guides

Read before you calculate.

Comparisons and how-tos that answer high-intent questions, then send you back to the calculators.

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Separate pages for who we are, how to reach us, and the policies that cover this free calculator suite.