Calculators & planners

Don't take our word for it.
Run the numbers.

Every lesson in the guide has a number behind it. These tools let you plug in your own figures — your SIP, your goals, your timeline — and see exactly what compounding gives and fees take away.

All tools

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Growth

SIP & Lump-Sum Calculator

Project a monthly SIP (with optional annual step-up) or a one-time investment. Year-by-year table included.

Calculate → Planning

Goal Planner

Enter a goal in today's prices; get the inflation-adjusted future cost and the monthly SIP required to reach it.

Plan → Fees

Fee Impact Comparator

Direct vs. Regular plan over your timeline. The single most persuasive chart on this site.

Compare → Safety

Emergency Fund Sizer

Target size for your situation, the gap from where you are, and a month-by-month plan to fill it.

Size it → Freedom

Financial Independence

Your 25× number, adjusted for inflation to your target age, and the SIP that gets you there.

Find it → Utilities

Quick Math

Rule of 72, inflation's erosion of purchasing power, and a rule-of-thumb asset allocation by age.

Open →
A note on assumptions: equity return defaults use 12%/yr (roughly the long-run Nifty 50 total return) and inflation defaults use 6%/yr. Both are assumptions, not promises — real returns arrive lumpy, not smooth. Change them to whatever you believe and see how the answer moves.