SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month. This calculator shows your projected corpus and, below, how your wealth builds year by year — including the powerful step-up option.
Step-up SIP increases your investment each year, compounding faster as income grows. Even a 10% annual increase dramatically boosts the final corpus.
Start Your SIP with NavShakti →| Year | Age | Monthly SIP | Invested (Year) | Total Invested | Returns (Year) | Corpus (End of Year) | Wealth Gain % |
|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — |
Lump Sum Calculator
See how a one-time investment compounds over time. Ideal for modelling a bonus, inheritance, or property sale proceeds deployed into a mutual fund. The year-wise cashflow table below shows the compounding journey — demonstrating why the longer your money stays invested, the more powerfully it grows.
Lump sum investments benefit most when deployed during market corrections and held for the long term. The Rule of 72 gives a quick check: divide 72 by your expected return to find the doubling period — at 12%, your money doubles every 6 years. Timing, asset allocation, and fund selection all matter equally.
Discuss Lump Sum Strategy →| Year | Age | Opening Value | Returns (Year) | Closing Value | Total Return % |
|---|---|---|---|---|---|
| Total | — | — | — | — | — |
Wealth Builder Calculator
Combine a one-time lump sum with a monthly SIP to see your total corpus in one view. The cashflow table shows how both streams grow side by side — year by year.
Combining lump sum and SIP gives you the best of both worlds — immediate compounding on the lump sum, and disciplined monthly investing that smooths market volatility.
Build Wealth with NavShakti →| Year | Age | Monthly SIP | SIP Invested (Year) | SIP Corpus | Lump Sum Value | Total Corpus | Returns (Year) |
|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — |
Goal Planner
Define any financial goal and this calculator tells you exactly what you need to invest — adjusted for inflation. The cashflow table shows the growing corpus year by year until your goal date.
Inflation silently inflates the size of every goal. Always plan for the future cost, not today's cost — this calculator does that automatically.
Plan This Goal with Raghuram →| Year | Age | Monthly SIP | Invested (Year) | Existing Corpus | SIP Corpus | Total Corpus | Returns (Year) | Goal Progress % |
|---|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — | — |
SWP Calculator
A Systematic Withdrawal Plan lets you draw a regular income from your corpus while the remainder continues to grow — ideal for retirees seeking tax-efficient cash flow. Since expenses rise with inflation every year, a fixed monthly withdrawal steadily loses purchasing power. Use the Annual Step-up to model inflation-adjusted withdrawals and get a truly realistic picture of how long your corpus will last.
SWP is tax-efficient — only the gains portion of each withdrawal is taxed, unlike FD interest which is fully taxable. The key to sustainability is keeping your withdrawal rate below the portfolio's annual return. A step-up withdrawal preserves purchasing power as inflation rises; a well-structured SWP can sustain income for decades.
Structure Your SWP Plan →| Year | Age | Monthly Withdrawal | Opening Corpus | Returns (Year) | Withdrawn (Year) | Closing Corpus | Status |
|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — |
STP Calculator
A Systematic Transfer Plan moves money gradually from a liquid/debt fund into an equity fund — reducing lump-sum timing risk while earning returns on the idle corpus.
STP is ideal for large bonuses, inheritances, or property sale proceeds. Instead of staying in a savings account, money earns in a debt fund while being deployed systematically into equity.
Discuss STP Strategy →| Month | Source Fund Balance | Interest Earned | Amount Transferred | Equity Fund Value |
|---|---|---|---|---|
| Total | — | — | — | — |
Inflation Impact Calculator
Understand how inflation silently erodes your purchasing power year by year — and what your current expenses will cost in the future. The antidote: equity mutual funds that outpace inflation.
At 6% inflation, money loses half its value every 12 years. This is why keeping large amounts in FDs or savings accounts is a risk — not safety.
Beat Inflation — Talk to Us →| Year | Age | Monthly Expense | Annual Expense | Cumulative Extra Spent | Purchasing Power Retained |
|---|---|---|---|---|---|
| Total | — | — | — | — | — |
Retirement Calculator
How much do you need to retire comfortably? This calculator factors in your current age, inflation, and post-retirement life expectancy to give you a complete picture — and the SIP needed to get there.
Retirement planning is about replacing your income for 25–30 years. Start in your 30s and even a moderate SIP can build a multi-crore corpus by 60.
Assumptions for Corpus Required:
• Life expectancy: 85 years
• Post-retirement withdrawals grow annually with inflation
• Corpus earns post-retirement return on remaining balance
• Corpus sized to deplete to ₹0 at age 85
• No legacy/estate corpus assumed
• If actual corpus exceeds target, it will not deplete to ₹0 at 85 — the surplus carries forward
| Year | Age | Monthly SIP | SIP Invested (Year) | SIP Corpus | Existing Corpus | Total Corpus | Target Progress % | Returns (Year) |
|---|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — | — |
Assumes life expectancy of 85 years. Withdrawals increase annually with inflation.
| Year | Age | Monthly Withdrawal | Opening Corpus | Withdrawal (Year) | Returns Earned | Closing Corpus | Status |
|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — |
Child's Education Planner
Education inflation in India runs at 8–10% annually. Plan your child's higher education fund today so you're never forced to choose between quality and affordability.
Starting early is everything. A parent starting at child's birth vs. age 5 needs almost half the monthly SIP for the same goal. Time is your most powerful ally.
Secure Your Child's Future →| Year | Parent Age | Child's Age | Monthly SIP | Invested (Year) | Returns (Year) | Fund Value | Goal Progress % |
|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — |
ELSS Tax Saver Calculator
ELSS (Equity Linked Savings Scheme) offers tax deduction under Section 80C up to ₹1.5 lakh per year — with the shortest lock-in (3 years) and historically the highest returns among all 80C instruments.
Compared to PPF (7.1%, 15yr lock-in) and NSC (7.7%, 5yr lock-in), ELSS offers superior post-tax returns over a 10+ year horizon despite LTCG.
Start Tax-Smart Investing →| Year | Age | Annual Investment | Tax Saved (80C) | Effective Cost | Returns (Year) | Corpus (End of Year) |
|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — |
XIRR / Returns Calculator
Understand the true performance of any existing investment. CAGR (Compound Annual Growth Rate) is the gold standard for measuring and comparing returns across instruments and time periods.
If your CAGR is below 10–12%, you may be underperforming. A portfolio review can identify funds dragging returns and suggest better alternatives.
Get Your Portfolio Reviewed →| Year | Age | Value at Your CAGR | Value at 12% CAGR | Value at 15% CAGR | Difference vs 12% |
|---|
EMI Calculator
Calculate your exact monthly EMI for any loan — home, car or personal. See the complete amortisation schedule showing how each payment splits between principal and interest, year by year.
The interest over a long tenure can exceed the principal itself. Prepaying when possible — or investing the surplus in equity MFs — can significantly improve your long-term wealth.
Discuss Your Loan Strategy →| Year | Opening Balance | Closing Balance | Principal Paid | Interest Paid | Total Paid (Year) |
|---|---|---|---|---|---|
| Total | — | — | — | — | — |
Capital Gains Tax Calculator
Calculate your exact capital gains tax on Equity, Debt MF, or Gold — with surcharge and cess fully broken out. Based on New Tax Regime, FY 2025-26. Your other income is factored in for accurate slab and surcharge computation.
Other Annual Income is used to determine applicable slab rate and surcharge. Tax on this income itself is not computed here.
Calculated as per New Tax Regime FY 2025-26. ₹1.25L LTCG exemption not applied. Consult a tax advisor for personalised advice.
Optimise Your Tax with NavShakti →| Component | Amount | Rate / Basis | Notes |
|---|
Emergency Fund Calculator
Build your financial safety net before you invest. An emergency fund covering 3–6 months of expenses protects you from being forced to redeem investments at the wrong time.
Park your emergency fund in Liquid MFs or Overnight Funds — not equities. These offer instant redemption, capital safety and better post-tax returns than a savings account.
Build Your Safety Net with NavShakti →| Month | Opening Balance | Closing Balance | SIP Added | Interest Earned | Cover (Months) |
|---|---|---|---|---|---|
| Total | — | — | — | — | — |
Loan Prepayment vs Invest
Use your monthly surplus or a one-time lump sum to prepay your loan — or invest it in mutual funds? This calculator runs both scenarios and gives you a clear, data-driven verdict.
Compare interest saved by prepaying vs corpus built by investing the same surplus over the same period.
Get a Personalised Recommendation →| Year | Original: Loan Balance | Original: Principal (Year) | Original: Interest (Year) | Prepay: Loan Balance | Prepay: Principal (Year) | Prepay: Interest (Year) | Cumulative Interest Saved | Invest: Corpus | Verdict |
|---|---|---|---|---|---|---|---|---|---|
| Total | — | — | — | — | — | — | — | — | — |