14 Free Calculators · Updated Rates 2025
Investment Calculators
SIP, PPF, FD, NPS, EPF, NSC, SSY, SCSS & more — accurate results in seconds.
Step 1 of 3
Monthly SIP amount?
Amount invested every month
₹
Expected annual return & duration
Historical equity average: 12–15% CAGR
Expected Annual Return (%)
%
Investment Duration (Years)
yrs
Investment goal (optional)
Skip or enter a target corpus to see if you're on track
Maturity Value
₹ 0
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Current monthly SIP & annual step-up
Step-up = annual % increase in SIP amount
Starting Monthly SIP (₹)
₹
Annual Step-Up (%)
%/yr
Expected return & duration
Equity SIPs: 12–15% historical CAGR
Expected Annual Return (%)
%
Duration (Years)
yrs
Compare with flat SIP?
See the power of stepping up vs staying flat
Step-Up SIP Maturity
₹ 0
Want a tax-efficient investment strategy?
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Lumpsum investment amount
One-time investment today
₹
Expected return & duration
CAGR assumed for the entire period
Expected Annual Return (%)
%
Duration (Years)
yrs
Maturity Value
₹ 0
Need help with LTCG tax on lumpsum returns?
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Your invested corpus & monthly withdrawal
Systematic Withdrawal Plan from mutual fund
Total Corpus (₹)
₹
Monthly Withdrawal (₹)
₹
Expected return on corpus
Balanced fund: 8–10% · Debt fund: 6–7%
Annual Return on Corpus (%)
%
Corpus lasts for
—
Want a retirement withdrawal strategy reviewed by a CA?
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Annual PPF contribution
Minimum ₹500 · Maximum ₹1,50,000 per year · EEE tax status
₹
Current PPF balance & years remaining
New account: current balance = 0, years = 15
Current Balance (₹) — 0 for new account
₹
Years Remaining to Maturity (max 15)
yrs
PPF Maturity Value
₹ 0
PPF is EEE — want to maximise 80C deductions this year?
Get Tax Plan →Step 1 of 2
Your monthly basic salary
PF is 12% of basic · Capped at ₹15,000 basic for statutory limit
₹
Current EPF balance & years to retirement
Interest rate: 8.25% p.a. (EPFO 2024–25)
Current EPF Balance (₹)
₹
Years to Retirement
yrs
EPF Corpus at Retirement
₹ 0
Want to understand VPF vs PPF vs NPS for retirement?
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Monthly NPS contribution
Employee + Employer combined monthly amount
₹
Current age & expected return
NPS matures at age 60 — equity allocation: up to 75%
Current Age
yrs
Expected Annual Return (%)
%
Annuity rate at age 60
40% of corpus goes to annuity — current market rates: 5.5–6.5%
NPS Corpus at 60
₹ 0
Claim extra ₹50,000 deduction under 80CCD(1B) — NPS benefit
Learn More →Step 1 of 2
FD principal amount
Fixed Deposit — quarterly compounding (Indian standard)
₹
FD interest rate & tenure
Bank FD: 6.5–7.5% · Senior Citizen: +0.5%
Annual Interest Rate (%)
%
Tenure (Years)
yrs
FD Maturity Value
₹ 0
FD interest is taxable — want to plan TDS on FD interest?
Check TDS →Step 1 of 2
Monthly RD deposit amount
Recurring Deposit — fixed monthly installment
₹
RD interest rate & tenure
Post Office RD: 6.7% · Banks: 5.5–7%
Annual Interest Rate (%)
%
Tenure (Months)
mo
RD Maturity Value
₹ 0
RD interest taxable — file Form 15G to avoid TDS if eligible
Check Eligibility →Step 1 of 2
NSC investment amount
National Savings Certificate · 5-year lock-in · 7.7% p.a. · 80C eligible
₹
Your income tax slab rate
To calculate effective post-tax returns
NSC Maturity (after 5 years)
₹ 0
NSC interest reinvested qualifies for 80C each year — file ITR correctly
Get ITR Help →Step 1 of 2
Annual SSY contribution
Sukanya Samriddhi Yojana · 8.2% p.a. · EEE · Min ₹250, Max ₹1.5L/yr
₹
Girl child's current age
Account can be opened up to age 10 · Matures at 21 years from opening
SSY Maturity Value
₹ 0
SSY qualifies for Section 80C deduction up to ₹1.5L
Optimise 80C →Step 1 of 2
SCSS deposit amount
Senior Citizen Savings Scheme · 8.2% · Max ₹30L · 5-year tenure · Quarterly payouts
₹
Tenure & extension
5-year base + optional 3-year extension at prevailing rate
Quarterly Interest Payout
₹ 0
File Form 15H to avoid TDS on SCSS interest if tax = nil
Check Form 15H →Step 1 of 1
KVP investment amount
Kisan Vikas Patra · 7.5% p.a. · Doubles in ~115 months · No max limit
₹
KVP Maturity (Doubles)
₹ 0
KVP interest is taxable — plan TDS and ITR correctly
Get Help →Step 1 of 3
ELSS investment mode
Equity Linked Savings Scheme · 3-year lock-in · 80C eligible (old regime) · 12-15% avg CAGR
Investment amount
Max 80C deduction: ₹1,50,000 (old regime only — not available in new regime)
₹
Investment duration & tax slab
For tax saving calculation (old regime)
Duration (Years) — minimum 3 for lock-in
yrs
Your tax slab (old regime)
ELSS Maturity Value
₹ 0
ELSS gains above ₹1.25L are taxed at 12.5% LTCG — plan ahead
CG Calculator →Disclaimer: Indicative estimates only. Rates shown are current as of 2025. Actual returns may vary. Consult our CA team free for personalised advice.