Welcome to Invest Calculator — a free, accurate, and easy-to-use financial calculator platform built specifically for Indian investors. Our mission is straightforward: to make professional-grade financial planning tools accessible to every Indian, regardless of their financial background or investing experience.
Whether you are a fresh graduate calculating your very first SIP, a working professional trying to optimise your home loan EMI, or someone nearing retirement who needs to map out their NPS corpus — Invest Calculator gives you the tools to plan smarter, at absolutely no cost.
Financial literacy in India is growing faster than ever, but access to reliable, unbiased, and genuinely useful tools has not kept pace. Many online calculators are too simplistic, embedded in product sales funnels, or cluttered with irrelevant content. Invest Calculator is built to be different:
Calculate monthly SIP returns with optional lump sum. Includes interactive charts and a wealth ratio summary.
Model annual SIP increases as your income grows. See how a 10% annual step-up dramatically boosts your final corpus.
Two modes — target corpus and desired monthly income. Accounts for inflation, existing savings, and lump sum investments.
Calculate periodic payouts from a lump sum corpus, or find the corpus needed for a desired monthly retirement income.
Compute home loan, car loan, and personal loan EMIs with a complete year-by-year amortisation schedule.
Calculate maturity value of Recurring Deposits with monthly compounding for any tenure and interest rate.
Accurate projections for PPF (with 80C tax savings estimate), EPF corpus at retirement, and Fixed Deposit returns.
Project your NPS corpus, estimated monthly pension, lump sum withdrawal, and total tax savings over your career.
Rule of 72 (money doubling time), CAGR calculator, inflation-adjusted value calculator, and goal-based SIP planner.
Our tools are built for anyone making personal finance decisions in India:
Beyond the calculators, Invest Calculator provides comprehensive educational guides on every major area of Indian personal finance — how SIP and rupee cost averaging work, the 25x retirement corpus rule, home loan prepayment strategies, PPF vs ELSS comparison, NPS tax benefits explained, and much more. All content is written in plain language, verified against current Indian tax laws and RBI/SEBI guidelines, and updated regularly to reflect changes in interest rates and policy.
We believe that when Indian investors genuinely understand how financial products work — not just what the final output number is — they make better, more confident, and more informed decisions.
All calculations on Invest Calculator use industry-standard financial formulas — the future value of an annuity for SIP calculations, standard EMI formula for loans, compound interest for FD and PPF, and actuarially sound methods for annuity projections. Every calculator displays the formula used so you can cross-check results in a spreadsheet. For market-linked instruments, results are illustrative projections based on assumed return rates — actual market performance will vary.
All calculators and educational content on Invest Calculator are provided for informational and educational purposes only. Results are estimates based on your inputs and assumed rates of return — actual results will differ. Nothing on this site constitutes financial, investment, or tax advice. Please consult a SEBI-registered investment advisor or Certified Financial Planner (CFP) before making significant financial decisions. PPF and EPF interest rates are reviewed quarterly by the Government of India and are subject to change. Tax laws are subject to revision — verify your specific tax situation with a qualified Chartered Accountant.