Tools

Six calculators. Real math.

Money-weighted (XIRR-style) formulas a fee-only adviser would use. Drag the sliders and watch the numbers update live. Nothing is stored on a server.

SIP — Systematic Investment Plan

How much can a monthly investment compound to over time?

Assumes monthly compounding at the start of each month. Pre-tax, pre-expense ratio.

Future value

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After your chosen period

You invest

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Estimated gain

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Step-up SIP

Increase your monthly investment by a fixed % every year as your salary grows.

A 10% yearly step-up doubles your contribution every ~7 years. Massive impact on the final corpus.

Future value

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After your chosen period

Total invested

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Estimated gain

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EMI — Loan Calculator

Monthly instalment on a home, car, or personal loan.

Tip: A 1% lower rate or 5 fewer years can save you lakhs in interest. Always check pre-payment terms before signing.

Monthly EMI

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Equal each month for the full tenure

Total payable

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Total interest

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Retirement Planner

How big will the corpus be when you retire?

Doesn't include inflation. ₹1 crore in 30 years is worth roughly ₹23 lakh today at 5% inflation.

Retirement corpus

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In 30 years

You invest

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Estimated gain

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India capital-gains tax — quick estimator

Approximate tax on a single sale. Based on the FY25–26 regime. Verify with a CA for filing.

Does not include cess, STT, surcharge, exemptions, or set-off of losses.

Estimated tax

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FX converter

Live mid-market rates from exchangerate.host (free, no key). For actual remittance always check your bank.

Converted amount

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These are projections, not promises. Real-world returns are not constant; markets crash; expense ratios, taxes, and inflation reduce what you actually keep. Use the numbers as a sanity check, not a forecast.