Investment Calculators
30+ Tools for wealth creation
Investment calculators project wealth accumulation from systematic investments (SIP), one-time deposits (FD, lumpsum), and government schemes (PPF, NPS, SCSS) using compound interest and returns formulas. Choosing between equity SIP (12–15% CAGR) and guaranteed returns (PPF 7.1%, SCSS 8.2%) depends on time horizon, risk appetite, and tax treatment — decisions these calculators make quantifiable.
📊 Investment Calculators — Key Data
- AMFI April 2026: Monthly SIP inflows: ₹24,323 crore (new record). Total SIP accounts: 10.93 crore. Equity MF AUM: ₹31.7 lakh crore.
- PFRDA March 2025: NPS total AUM: ₹13.7 lakh crore (28% CAGR over 5 years). Total NPS subscribers: 1.72 crore.
- Ministry of Finance 2025: Total PPF accounts: 10.5 crore. Annual PPF deposits: ₹82,000 crore. Rate: 7.1% p.a. unchanged since Apr 2020.
- NSE Index data: Nifty 50 SIP XIRR over 20 years (2006–2026): ~14.8%. No 15-year SIP period has ever given negative returns.
Every major financial goal has a specific monthly SIP amount that gets you there. ₹1 crore in 15 years at 12% CAGR = ₹21,011/month. Start 10 years earlier and it costs only ₹10,871/month. CalcWise’s 30+ investment calculators cover SIP, lumpsum, step-up SIP, goal-based planning, FD maturity (12+ banks), PPF/SSY/SCSS/NPS, ULIP returns, and LTCG tax computation — all at FY 2025-26 rates including Budget 2025’s 14% employer NPS deduction.
Mutual Funds & SIP Calculators
Calculate systematic investment plan returns
PopularCalculate SIP with yearly increment
PopularPlan SIP for specific financial goals
Calculate mutual fund investment returns
PopularCalculate one-time investment returns
Systematic withdrawal plan calculator
Fixed Deposit & Savings Calculators
Calculate fixed deposit returns and maturity
PopularRecurring deposit monthly savings calculator
Calculate savings account interest earned
Stock Market Calculators
Calculate stock investment returns and gains
PopularCalculate average buying price of stocks
Calculate intraday trading profit and loss
Compare intraday vs delivery brokerage charges
Calculate margin trading requirements and risk
Calculate dividend yield and income
Analyze portfolio diversification and risk
AdvancedRetirement Planning Calculators
Calculate retirement savings needed
PopularRetirement planning with inflation factor
AdvancedComplete retirement planning with goals
AdvancedCalculate monthly pension and corpus
Crypto & Digital Asset Calculators
Track and value your crypto investments
CryptoCalculate digital gold SIP returns
PopularTrack all digital investments in one place
AdvancedFinancial Planning Tools
Plan investments for multiple financial goals
AdvancedCalculate how to achieve financial goals
Calculate ideal emergency fund size
EssentialDynamic asset allocation based on goals
AdvancedOptimize investments for minimum tax
AdvancedCalculate ESG and sustainable investment returns
Calculate impact of inflation on money
Interest Calculators
Calculate compound interest on investments
PopularFactor in inflation for realistic returns
AdvancedCalculate simple interest on investments
Advanced simple interest calculations
Calculate present value of future money
Calculate future value of investments
Calculate TVM for investments
❓ Frequently Asked Questions — Investment Calculators
How much SIP do I need to invest for ₹1 crore?
To accumulate ₹1 crore at 12% CAGR: ₹44,636/month over 10 years, ₹21,011/month over 15 years, or ₹10,871/month over 20 years. Use the Goal-Based SIP Calculator to reverse-calculate the required monthly SIP for any target corpus and timeline.
SIP vs FD vs PPF — which gives better returns?
₹5,000/month for 10 years: Equity SIP (12%) = ₹11.2L, FD (7%) = ₹8.6L, PPF (7.1%) = ₹8.6L. Equity SIP generates 87% gains vs 43% for FD/PPF. However, FD/PPF are guaranteed while SIP is market-linked. Post-tax, equity SIP further outperforms for 20–30% bracket investors since FD interest is fully taxable while equity LTCG has a ₹1.25L/year exemption.
What is the NPS return rate for FY 2025-26?
NPS Tier I equity scheme (E-scheme) has delivered approximately 14.5% CAGR since inception (2009), though returns vary by fund manager. NPS is not guaranteed — it is market-linked. Under Budget 2025, employer NPS contribution up to 14% of Basic+DA is tax-free under the new regime (raised from 10%), making it India’s most tax-efficient retirement instrument for salaried employees.
What is the PPF interest rate for FY 2025-26?
The PPF interest rate for Q1 FY 2025-26 is 7.1% p.a., compounded annually — unchanged since April 2020. The rate is reviewed quarterly by the Ministry of Finance. PPF has EEE tax status: deposits qualify for 80C deduction, interest is tax-free, and the entire maturity is exempt under Section 10(11).
What is the minimum amount to start a SIP?
Most mutual fund companies allow SIP starting from ₹100/month (some from ₹500/month). Index funds (Nifty 50 ETFs) are available from ₹100. There is no maximum limit on SIP investments. The minimum SIP amount and available plans depend on the Asset Management Company (AMC) — check their website or any of the major apps (Zerodha Coin, Groww, MFCentral).