10 calculators
Investment & Retirement
Estimate what your investments could grow to and whether you are saving enough for retirement. Each calculator shows a year-by-year projection, explains the formula it uses and lists the assumptions behind the result.
Returns on market-linked investments such as mutual funds and NPS are never guaranteed — try a cautious rate as well as an optimistic one to see the range of outcomes.
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Guides
LoansShould you prepay your loan or invest the money?Prepaying a loan earns a guaranteed return equal to its interest rate. Here is how to compare that with investing, including tax, timing and liquidity.InvestingWhat is a SIP? How systematic investment plans workA SIP invests a fixed amount in a mutual fund every month. Learn how SIP returns are calculated, what ₹10,000 a month can grow to, step-up SIPs and common mistakes.InvestingSIP vs lumpsum: which is better?Compare investing through a monthly SIP with investing a lumpsum: returns, risk, rupee cost averaging with a worked example, and when each makes sense.InvestingSIP vs FD vs RD: where should monthly savings go?Compare a mutual fund SIP with fixed and recurring deposits on returns, risk, liquidity and tax, with ₹10,000-a-month examples over 5 and 10 years.InvestingWhat is CAGR? CAGR vs absolute return vs XIRRCAGR is the steady yearly growth rate that turns a starting value into an ending value. Learn the formula, see examples, and when to use absolute return or XIRR instead.InvestingEPF vs PPF vs NPS: comparing India’s retirement savings schemesCompare EPF, PPF and NPS on returns, lock-in, withdrawals and tax treatment, and see how the three can work together in a retirement plan.