14 Free Calculators · Updated Rates 2025

Investment Calculators

SIP, PPF, FD, NPS, EPF, NSC, SSY, SCSS & more — live results as you type.

📈 Monthly SIP
Monthly SIP amountAmount invested every month
₹
Expected annual returnHistorical equity average: 12–15% CAGR
%
Investment durationLonger horizon = more compounding
yrs

SIP breakdown

🚀 Step-Up SIP
Starting monthly SIPYour current monthly investment
₹
Annual step-up% you increase the SIP each year
%/yr
Expected annual returnEquity SIPs: 12–15% historical CAGR
%
DurationTotal investment period
yrs
The verdict compares your step-up plan against a flat SIP of the same starting amount, showing the extra wealth from stepping up.

Step-Up SIP breakdown

💰 Lumpsum
Lumpsum amountOne-time investment today
₹
Expected annual returnCAGR assumed for the entire period
%
DurationHolding period
yrs

Lumpsum breakdown

🏦 Systematic Withdrawal Plan
Total corpusAmount invested in the fund
₹
Monthly withdrawalAmount you draw every month
₹
Annual return on corpusBalanced 8–10% · Debt 6–7%
%

SWP breakdown

🛡️ Public Provident Fund
Annual contributionMin ₹500 · Max ₹1,50,000 · EEE status
₹
Current balance0 for a new account
₹
Years remainingMax 15 · Interest 7.1% p.a.
yrs

PPF breakdown

👔 Employees' Provident Fund
Monthly basic salaryPF is 12% of basic · statutory cap ₹15,000
₹
Current EPF balanceExisting accumulated corpus
₹
Years to retirementInterest 8.25% p.a. (EPFO 2024–25)
yrs

EPF breakdown

🧓 National Pension System
Monthly contributionEmployee + employer combined
₹
Current ageNPS matures at age 60
yrs
Expected annual returnEquity up to 75% allocation
%
ANNUITY RATE AT 60 (40% of corpus)

NPS breakdown

🏛️ Fixed Deposit
FD principalQuarterly compounding (Indian standard)
₹
Annual interest rateBank 6.5–7.5% · Senior +0.5%
%
Tenure0.25 to 10 years
yrs

FD breakdown

🔁 Recurring Deposit
Monthly depositFixed monthly installment
₹
Annual interest ratePost Office 6.7% · Banks 5.5–7%
%
TenureIn months (6–120)
mo

RD breakdown

📜 National Savings Certificate
Investment amount5-year lock-in · 7.7% p.a. · 80C eligible
₹
YOUR INCOME TAX SLAB (for post-tax return)

NSC breakdown

👧 Sukanya Samriddhi Yojana
Annual contribution8.2% p.a. · EEE · Min ₹250, Max ₹1.5L/yr
₹
GIRL CHILD'S CURRENT AGE (matures at 21)

SSY breakdown

🧑‍🦳 Senior Citizen Savings Scheme
Deposit amount8.2% · Max ₹30L · Quarterly payouts
₹
TENURE & EXTENSION

SCSS breakdown

🌾 Kisan Vikas Patra
Investment amount7.5% p.a. · Doubles in ~115 months · No max
₹
KVP doubles your investment in 115 months (9 years 7 months) at the current 7.5% rate. Interest is taxable and must be declared each year.

KVP breakdown

📊 ELSS (Tax-Saver Fund)
INVESTMENT MODE
Investment amountMax 80C: ₹1,50,000 (old regime only)
₹
DurationMinimum 3 yrs (lock-in) · 13% CAGR est.
yrs
YOUR TAX SLAB (old regime)

ELSS breakdown

14 investment calculators, one screen

From market-linked SIP, Step-Up SIP, Lumpsum, SWP and ELSS to guaranteed small-savings schemes like PPF, NSC, SSY, SCSS, KVP, plus FD, RD, EPF and NPS — each tool computes live as you type. Pick a tab, enter your numbers and see the maturity value, wealth gained and a full breakdown instantly.

7.1%
PPF rate — EEE, fully tax-free maturity
8.25%
EPF interest for 2024–25 (EPFO)
8.2%
SSY & SCSS rate — among the highest fixed returns
12–15%
Historical equity SIP / ELSS CAGR range

Which scheme is right for you?

Wealth creation (equity)

SIP, Step-Up SIP, Lumpsum and ELSS invest in equity mutual funds. Higher potential returns (12–15% historical CAGR) with market risk. ELSS additionally saves tax under 80C with just a 3-year lock-in.

Guaranteed & tax-free

PPF and SSY are EEE (contribution, interest and maturity all tax-free). PPF is a 15-year retirement builder; SSY is for a girl child, maturing at 21.

Regular income

SCSS pays quarterly interest for senior citizens, and SWP lets you draw a fixed monthly amount from an existing mutual-fund corpus.

Capital safety (fixed)

FD, RD, NSC and KVP give assured returns. NSC also qualifies for 80C; KVP simply doubles your money in ~115 months. Interest on these is taxable.

Rates & formulas used here

All calculations use current 2025 rates: PPF 7.1%, EPF 8.25%, SSY & SCSS 8.2%, NSC 7.7%, KVP 7.5%. Equity SIP/Lumpsum use your entered CAGR; ELSS assumes 13% CAGR. SIP/RD use monthly compounding, FD uses quarterly compounding, and PPF/NSC/SSY/EPF compound annually — exactly as the schemes work.

Disclaimer: Indicative estimates only. Rates shown are current as of 2025 and actual returns may vary. Market-linked returns (SIP, Lumpsum, ELSS, NPS, SWP) are not guaranteed. Consult our CA team for personalised advice.