10 interactive calculators with educational guides. All free, no sign-up, built for Indian investors. Indian number formatting (Lakhs/Crores), real financial formulas, instant results.
Calculate how a monthly Systematic Investment Plan compounds over time. Compare your expected return against RupeeCase systematic strategies (21% CAGR benchmark).
A Systematic Investment Plan lets you invest a fixed amount monthly into mutual funds or stocks. Instead of timing the market, you invest consistently, this is called rupee cost averaging. When prices drop, you buy more units; when they rise, you buy fewer. Over time, this averages your cost basis.
FV = SIP × ((1+r)^n − 1) / r + Corpus × (1+r)^n
Where r = monthly return rate (annual rate converted), n = total months. The first term is the future value of your SIP stream; the second is your existing corpus compounding.
See the massive difference when you increase your SIP annually. A 10% step-up can generate 40 to 60% more wealth over 20 years.
Most people’s income grows 8 to 15% annually. If your SIP stays flat, you’re investing a smaller percentage of income each year. Step-Up SIP increases your investment annually, matching income growth and accelerating wealth creation.
Year 1: ₹10K/month. Year 2: ₹11K (at 10% step-up). Year 3: ₹12.1K. Over 20 years, the step-up version invests significantly more, and each extra rupee compounds for the remaining years.
Calculate the corpus you need to sustain expenses for 25 to 30 years post-retirement, adjusted for inflation. Find the monthly SIP required starting today.
Inflation erodes purchasing power, ₹50K/month today equals ₹1.6L/month in 20 years at 6% inflation. Post-retirement, a conservative 8% return (debt + equity mix) is assumed. The calculator uses the present value of annuity formula.
Withdraw 4% of your corpus annually. If your corpus is ₹3 Cr, you can spend ₹12L/year (₹1L/month). This rule originated from US research (the Trinity Study) but works as a conservative guide for India too.
Financial Independence, Retire Early. Calculate your FIRE number using the 25x rule and compare three investment scenarios.
Your FIRE number = Annual Expenses × 25 (based on 4% safe withdrawal rate). If you spend ₹6L/year, you need ₹1.5 Cr. But don’t forget inflation, expenses at FIRE age will be much higher than today.
This calculator compares growth at 21% (RupeeCase systematic), 14% (Nifty 50 index), and 7% (Fixed Deposit) to show how strategy choice dramatically affects your FIRE timeline and passive income.
Set a financial goal, house, car, education, wedding, and find the monthly SIP needed to reach it. Includes an affordability check against your income.
Every financial goal needs a plan: a target amount, a timeline, and a monthly commitment. This calculator works backwards from your goal to find the SIP needed, accounting for existing savings that will compound.
If the required SIP exceeds 30% of your income, consider extending the timeline or starting smaller. Under 20% is comfortable. The calculator shows SIP as a percentage of income and colour-codes it.
Calculate LTCG and STCG tax on equity investments using the post-July 2024 Union Budget rules.
LTCG (held >12 months): taxed at 12.5% above ₹1.25L annual exemption (up from 10%/₹1L). STCG (held ≤12 months): taxed at 20% (up from 15%). Applies to listed equities and equity-oriented mutual funds.
You can book losses to offset gains. If you have ₹2L LTCG and ₹75K LTCL, net taxable LTCG = ₹1.25L, which falls within the exemption. Zero tax. Review your portfolio in March for harvesting opportunities.
See how even a small difference in fund fees compounds into a massive wealth gap over decades.
The annual fee charged by mutual funds, expressed as a % of assets. A 1.5% ER means ₹1,500/year for every ₹1L invested. Direct plans have 0.5 to 1% lower ERs than regular plans.
A fund earning 12% gross with 1.5% ER gives 10.5% net. Over 20 years, ₹10L at 12% = ₹96.5L, but at 10.5% = ₹73.7L. That’s ₹22.8L lost to fees alone.
Should you invest a large sum all at once, or spread it via SIP? Compare both approaches over your chosen holding period.
In consistently rising markets, investing everything immediately gives maximum time in the market. Academic research (Vanguard, 2012) shows lump sum outperforms SIP ~67% of the time. “Time in market beats timing the market.”
In volatile or declining markets, SIP averages your cost basis. If markets drop 20% then recover, SIP buys more units at lower prices. For uncertain times, a 50/50 split (half lump sum + half SIP) can be a pragmatic compromise.
See how inflation silently destroys your purchasing power over time. A wake-up call for anyone keeping money in savings accounts.
The gradual increase in prices over time. India’s long-term CPI inflation averages 5 to 7%. This means ₹1L today buys only ₹31K worth of goods in 20 years at 6% inflation.
Food inflation can be higher than headline CPI. Healthcare inflation runs at 10 to 12%. Education inflation is 8 to 10%. Real estate varies by city. Plan for category-specific inflation, not just the CPI number.
The quickest mental math trick in investing: divide 72 by the annual return to estimate doubling time. Works for returns, inflation, and debt.
72 ÷ Annual Return = Years to Double. At 12%, money doubles in ~6 years. At 8%, in ~9 years. It’s an approximation of ln(2)/ln(1+r), most accurate for rates between 6 to 20%.
Works for inflation too: at 6% inflation, prices double every 12 years. For debt: at 18% credit card interest, your debt doubles in 4 years. Use Rule of 114 for tripling, Rule of 144 for quadrupling.
Each calculator sits inside the module that teaches the underlying concept. Click any tool below to land directly on it. Free, no sign up.
Post July 2024 LTCG and STCG. INR 1.25L exemption applied automatically.
Lifetime cost of fund expense ratios over decades. Active vs index TER comparison.
Net benefit of realising eligible losses against gains in the same FY.
Match AIS reported gain against your broker P&L with adjustment lines.
Decide which holdings sit in taxable vs tax-deferred wrappers for max post-tax CAGR.
Future value of a monthly SIP at an assumed annual return.
Excess return per unit of total volatility. Annualised inputs.
Years required to climb back to a prior peak from a given drawdown.
Percentage-risk position sizing on Indian equity. Portfolio + risk + entry + stop.
Annual cost drag across W / 2W / 4W / Q rebalance cadences.
Compound annual growth rate from start and end values, with multiplier.
Optimal capital fraction given edge and odds. Full / half / quarter Kelly.
How much dividends compound over years. The gap between TRI and price index.
Three core company-quality ratios with practitioner thresholds.
Convert raw factor metrics to normalised z-scores with percentile reading.
How much accounting profit converts to cash. 4-tier verdict.
Two-stage discounted cash flow fair value with terminal growth.
Five-factor distress probability with safe / grey / distress zones.
Distress probability from pledged share data with trend overlay.
9-point fundamental quality screen with binary checks.
Stock price impact from a consensus earnings revision at a given P/E.
Nominal return adjusted for inflation. Fisher equation, multi-year growth.
How INR moves change USD-denominated investor returns. The FII trim math.
Rough GDP impact from incremental capex spending. Sector beneficiaries.
How a credit cost spike eats into ROE. Base vs stress comparison.
Lifetime commission drag of regular plans vs direct plans.
Vol-of-difference between fund return and index return. Peer thresholds.
Long call and put. Indian lot sizes. P&L per lot at expiry.
Clean price, current yield, modified duration, 1% rate-shock sensitivity.
Square-root liquidity model. Order size + ADV + tier → bps + INR cost.
All-in cost on a delivery equity trade. STT, GST, stamp duty, DP.
Realistic CAGR after slippage, partial fills and capacity constraints.
DALBAR-style gap between fund return and investor return over years.
Felt utility from a gain or loss with loss-aversion coefficient.
Composite of Nifty PE, smallcap premium, SIP flow growth, VIX complacency.
CAGR drag if you cut winners early and let losers run, over years.