Plan the numbers
Financial calculators
Every figure here is an illustration based on the assumptions shown, which you can change. It is not a prediction.
₹10,000 (10 thousand)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
- Total Invested
- -
- Illustrative Final Value
- -
- Illustrative Gain
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Amount invested (dashed line) (striped bars)
- Illustrative value (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
Invested versus illustrative gain after the period
- Amount invested:
- Illustrative gain:
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Amount invested | Illustrative gain | Illustrative value |
|---|
About this illustration
Assumes a fixed monthly investment made at the start of each month and a constant rate of return, which real markets do not provide. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹1,00,000 (1 lakh)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
- Total Invested
- -
- Illustrative Final Value
- -
- Illustrative Gain
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Amount invested (dashed line) (striped bars)
- Illustrative value (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
Invested versus illustrative gain after the period
- Amount invested:
- Illustrative gain:
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Amount invested | Illustrative gain | Illustrative value |
|---|
About this illustration
Assumes annual compounding at a constant rate. Actual returns vary from year to year and can be negative. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹10,000 (10 thousand)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
- Total Invested
- -
- Illustrative Final Value
- -
- Illustrative Gain
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Amount invested (dashed line) (striped bars)
- Illustrative value (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
Invested versus illustrative gain after the period
- Amount invested:
- Illustrative gain:
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Amount invested | Illustrative gain | Illustrative value |
|---|
About this illustration
The monthly amount rises once a year by the percentage entered. Returns are assumed constant, which real markets do not provide. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹25,00,000 (25 lakh)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
- Total Invested Through the monthly SIP shown
- -
- Illustrative Target Value Goal after assumed inflation
- -
- Illustrative Gain
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Amount invested (dashed line) (striped bars)
- Illustrative value (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
Invested versus illustrative gain after the period
- Amount invested:
- Illustrative gain:
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Amount invested | Illustrative gain | Illustrative value |
|---|
Illustration
- Monthly SIP (illustrative)
- -
- Or one-time investment
- -
Inflation and return are both assumptions, and the starting figures are placeholders that you can change. The result is not a recommendation. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹50,00,000 (50 lakh)
₹30,000 (30 thousand)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
- Starting Corpus
- -
- Total Withdrawn
- -
- Illustrative Closing Balance
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Cumulative withdrawals (dashed line) (striped bars)
- Remaining balance (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Cumulative withdrawals | Remaining balance |
|---|
Illustration
- Does the corpus last
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Each month the balance is assumed to grow at one twelfth of the annual rate and the withdrawal is then taken. Real returns are not constant, and a fall in the early years can use up a corpus sooner than shown. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹50,000 (50 thousand)
This starting figure is only a placeholder so the example can be shown. It is not a forecast, an indication of likely returns or a guarantee. Change it to your own assumption.
Also a placeholder, not a forecast or a guarantee. Change it to your own assumption.
₹0
- Total Invested Existing savings plus SIP
- -
- Illustrative Corpus at Retirement
- -
- Illustrative Gain
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Amount invested (dashed line) (striped bars)
- Illustrative value (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed rate shown. Not a forecast and not guaranteed.
Invested versus illustrative gain after the period
- Amount invested:
- Illustrative gain:
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Amount invested | Illustrative gain | Illustrative value |
|---|
Illustration
- Monthly SIP to cover the gap (illustrative)
- -
- Monthly expenses at retirement, in future rupees
- -
- Illustrative corpus needed at retirement
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- Illustrative future value of existing savings
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The tiles and chart cover the years up to retirement only. Inflation and both rates of return are assumptions, shown as placeholders that you can change, and are held constant. The corpus covers one withdrawal at the start of each retirement year and is fully used by the end of the period. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
₹1,00,000 (1 lakh)
- Cost Today
- -
- Illustrative Future Cost
- -
- Increase
- -
Choose a format (optional)
The figures you enter are sent to our server only when you press Download PDF Report, to create the file. They are not stored.
If the file did not appear on your device: Open the report
- Cost today (dashed line) (striped bars)
- Illustrative future cost (solid line) (solid bars)
Use the left and right arrow keys to read each year. The same figures are in the table under View Year-wise Breakdown.
Illustration only, at the assumed inflation rate shown. Not a forecast and not guaranteed.
No chart can be drawn for these inputs.
View Year-wise Breakdown
| Year | Cost today | Increase in cost | Illustrative future cost |
|---|
Illustration
- What the same amount would buy then, in today’s rupees
- -
Assumes prices rise at the same rate every year, compounded annually. Actual inflation changes from year to year and differs between items such as education, healthcare and housing. This calculator is for illustration and education only. The assumed rate shown is hypothetical. It starts as a placeholder and you can change it. It is not a forecast, not an indication of likely returns and not the return of any mutual fund scheme. Mutual funds do not offer guaranteed or assured returns. Past performance is not indicative of future returns.
Risk disclosure: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. Mutual funds do not offer guaranteed or assured returns. Figures shown are illustrative, based on assumed rates that you can change, and are not a forecast of any scheme.
How each calculator works
SIP calculator
Shows what a fixed monthly investment could grow to at the assumed rate shown. It uses the standard future-value formula with contributions at the start of each month.
Lumpsum calculator
Shows what a one-time investment could grow to with annual compounding at the assumed rate shown.
Step-up SIP calculator
Like the SIP calculator, but your monthly amount rises once a year by the percentage entered, for example in line with salary increases.
Goal planner
Starts from what a goal costs today, adjusts it for the assumed inflation shown, and works back to the monthly SIP or one-time amount that would reach it at the assumed return shown.
SWP calculator
Shows how long a corpus could support a fixed monthly withdrawal. Each month the balance grows at one twelfth of the assumed annual rate shown, then the withdrawal is taken: new balance = balance × (1 + rate ÷ 12) − withdrawal. If the balance cannot cover a withdrawal, the remainder is paid out, the balance stops at zero and the calculator tells you the year and month. Taxes and exit loads on withdrawals are ignored.
Retirement planner
Monthly expenses at retirement = current expenses × (1 + inflation) raised to the years left. The corpus is the value at retirement of one yearly withdrawal (12 × that monthly expense) at the start of each retirement year, rising with inflation and discounted at your assumed post-retirement return: first year × (1 − q^years) ÷ (1 − q), where q = (1 + inflation) ÷ (1 + return). If return equals inflation, it is simply first year × years. Existing savings grow with annual compounding at the pre-retirement return, and the SIP formula is solved for whatever gap remains. If there is no gap, the SIP is zero.
Inflation calculator
Future cost = cost today × (1 + inflation) raised to the number of years. Purchasing power = the same amount ÷ (1 + inflation) raised to the number of years, which is what that sum of money would buy then, measured in today’s rupees. Inflation is assumed to be the same every year and compounded annually.
What these calculators cannot tell you
- Real returns are not constant. They change every year and can be negative, especially over short periods.
- The results ignore taxes, exit loads and scheme expenses, all of which reduce what you actually receive.
- The assumed rate starts as a placeholder that you can change. It is not a forecast, and it is not the return of any scheme, category or index.
- A calculator cannot judge whether an investment suits you. That depends on your goals, time horizon and capacity for risk.
For a fuller picture, complete the Financial Journey form or request a call back. You can also read about SIP and lumpsum investing and planning around goals.
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