On every result
Inflation-adjusted reality
₹5Cr in 20 years is actually worth about ₹1.5Cr in today's money. Every projection shows both, so you never mistake the headline number for real purchasing power.
Private financial calculators · India
Every projection has two numbers.Most calculators stop at the flattering one.
SIP, PPF, NPS, FD and loan calculators built on Indian rules. Every result is shown twice: what it adds up to, and what it will actually buy. Nothing leaves your browser.
- No account, ever
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- Free, the whole thing
Projected corpus₹25.0K/mo · 25 yrs · 12%
A ₹25.0K monthly SIP over 25 years at 12% grows to ₹4.74Cr, which is worth ₹1.11Cr in today's money after 6% inflation.
Only 23% of that projection is money you could spend today. The rest is 6% inflation over 25 years.
Eight calculators · one idea
One honest view of every rupee.
Each one shows the real number next to the flattering one. Scroll through, or step through them one at a time.
Market-linked~12%per year
Start from the goal, not the guess.
Name the number you want and the year you want it. We solve for the monthly cheque that gets you there, salary hikes and inflation included.
Goal-Based SIP Planner
/goal-sip?amt=10000000&yrs=15₹19.8K
per month
You investCompounding adds
- Target corpus
- ₹1.00Cr
- Time horizon
- 15 yrs
- In today’s money
- ₹41.73L
Invest about ₹19.8K a month at 12% to reach ₹1.00Cr in 15 years.
Market-linked~12%per year
Small, monthly, relentless.
Watch a steady SIP snowball over the years, then see what it is actually worth once inflation takes its cut.
Systematic Investment Plan
/sip?amt=5000&yrs=10₹11.62L
projected
You investCompounding adds
- Invested
- ₹6.00L
- Wealth gained
- ₹5.62L
- In today’s money
- ₹6.49L
₹5.0K a month at 12% compounds to ₹11.62L in 10 years.
Guaranteed7.1%per year
The quiet, tax-free compounder.
Fifteen years at a sovereign rate with every rupee tax-free at maturity. Boring, in the best possible way.
Public Provident Fund
/ppf?amt=50000&yrs=15₹13.56L
projected
You investCompounding adds
- Invested
- ₹7.50L
- Wealth gained
- ₹6.06L
- In today’s money
- ₹5.66L
₹50.0K a year at 7.1% compounds to ₹13.56L in 15 years.
Retirement~10%per year
Retirement, mostly on autopilot.
Blend equity and debt into a pension corpus and read it in today’s money, not a number that only flatters the brochure.
National Pension System
/nps?amt=5000&yrs=25₹66.89L
projected
You investCompounding adds
- Invested
- ₹15.00L
- Wealth gained
- ₹51.89L
- In today’s money
- ₹15.59L
₹5.0K a month at 10% compounds to ₹66.89L in 25 years.
Guaranteed6.5%per year
A fixed habit, a fixed return.
Lock a monthly deposit at the bank’s rate and watch it mature, with none of the market’s mood swings.
Recurring Deposit
/rd?amt=5000&yrs=5₹3.55L
projected
You investCompounding adds
- Invested
- ₹3.00L
- Wealth gained
- ₹55.3K
- In today’s money
- ₹2.65L
₹5.0K a month at 6.5% compounds to ₹3.55L in 5 years.
Guaranteed7.0%per year
Park a lump sum. Know the maturity.
Quarterly compounding across tenures, laid out side by side so you can pick the term that actually pays.
Fixed Deposit
/fd?amt=100000&yrs=5₹1.41L
projected
You investCompounding adds
- Invested
- ₹1.00L
- Wealth gained
- ₹41.5K
- In today’s money
- ₹1.06L
₹1.00L invested once at 7% compounds to ₹1.41L in 5 years.
Retirement~10%per year
Make the corpus pay you.
Draw a monthly income from what you have saved and see exactly how many years it keeps flowing.
Systematic Withdrawal Plan
/swp?amt=5000000&yrs=2020+
years of income
Your corpusReturns earned
- Starting corpus
- ₹50.00L
- Monthly withdrawal
- ₹25.0K
- Balance after 20y
- ₹74.47L
Draw ₹25.0K a month from ₹50.00L and compounding keeps the income running for years.
Borrowing8-14%per year
Know the EMI before the bank does.
The instalment, the total interest, and how a little prepayment quietly shaves years off the loan.
Loan EMI Calculator
/emi?amt=3000000&yrs=20₹26.0K
per month
PrincipalInterest
- Loan amount
- ₹30.00L
- Total interest
- ₹32.48L
- Total payable
- ₹62.48L
A ₹30.00L loan at 8.5% over 20 years works out to ₹26.0K a month.
Salary & taxFY 25-26Indian slabs
From CTC to what actually lands.
Turn the offer letter into real take-home, compare the Old vs New regime, and stop guessing at deductions.
Salary & tax
/pay?ctc=1800000₹1.18L
in hand / mo
Tax & deductionsIn hand
- Annual CTC
- ₹18.0L
- Take-home / yr
- ₹14.2L
- Better regime
- New
Turn an ₹18L CTC into real monthly take-home and see which tax regime keeps more of it.
What the others leave out
Things other calculators skip
Inflation, the cost of waiting, and what a number is actually worth. Not just a big projection with an exclamation mark.
Widget
Cost of delay
Waiting a year to start costs more than you think. The widget shows exactly what you give up by putting things off one, three, or five years.
Widget
What-if heatmap
Best, average, and worst outcomes laid out side by side. See your range without dragging sliders back and forth.
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