SIP Calculator for India
Estimate maturity value of a monthly SIP in mutual funds at an expected annual return. For planning only—not guaranteed returns.
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SIP, PPF, EMI, GST, and salary tools in ₹ (INR). Free tools for mortgages, tax, retirement, loans, and budgeting—then track spending in Atlantic on iPhone and iPad.
Most salary earners in India plan in rupees first—rent, SIP, EMIs, UPI spends, and tax deductions all hit the same monthly pool. These calculators are built for that reality: enter amounts in INR, use rates you see from your bank, fund house, or tax rules, and compare scenarios before you commit.
You will find tools for mutual fund SIPs, PPF and FD maturity, home and personal loan EMI, income tax and HRA, plus everyday budgeting helpers like rent affordability and subscription totals. Nothing here is investment advice; outputs are estimates from the numbers you type, updated instantly in your browser.
After you have a number, use Atlantic Finance on iPhone and iPad to track what you actually spend, set category budgets, and review month-end without maintaining a separate spreadsheet.
Estimate maturity value of a monthly SIP in mutual funds at an expected annual return. For planning only—not guaranteed returns.
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Project growth of a one-time mutual fund or equity investment over time with compound returns.
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See estimated future value and wealth gained on a mutual fund investment for a given amount, return, and duration.
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Estimate returns when you increase your monthly SIP by a fixed percentage every year.
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Plan systematic withdrawals from a mutual fund lumpsum—see how long the corpus may last at a fixed monthly payout.
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Calculate compound interest on savings or investments with configurable compounding frequency.
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Find compound annual growth rate between a starting and ending investment value over a number of years.
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Calculate return on investment as a percentage and absolute gain from amount invested and current value.
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Compute average buy price across multiple stock purchases (quantity × price).
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See what an amount today may be worth in future rupees at an assumed inflation rate.
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Estimate fixed deposit maturity amount with quarterly compounding at your bank’s rate.
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Estimate recurring deposit maturity from monthly deposits and interest rate.
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Estimate Public Provident Fund balance from annual contributions and interest (yearly compounding).
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Estimate Sukanya Samriddhi Yojana maturity from annual deposits and expected interest rate.
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Estimate National Savings Certificate maturity on a lumpsum deposit with annual compounding.
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Estimate quarterly interest and total returns on Senior Citizens Savings Scheme deposits.
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Estimate monthly income from Post Office Monthly Income Scheme on a lumpsum deposit.
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Split your monthly take-home pay into needs, wants, and savings using the 50/30/20 rule. Adjust percentages to fit your life.
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See a suggested rent range from your monthly salary using common guidelines. A starting point—not a rule for everyone.
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Work out how much to save each month to reach a target amount by a deadline—vacation, emergency fund, or big purchase.
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Add up monthly subscriptions and see yearly cost. Spot small recurring charges that add up over time.
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Subtract fixed bills from take-home pay and see what is left for flexible spending and savings each month.
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Estimate monthly EMI, total interest, and total payment for a home, car, or personal loan. Free calculator for Indian borrowers.
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Estimate how long it may take to clear a card balance with a fixed monthly payment. For planning only—not a payoff guarantee.
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Calculate simple interest on a principal amount for a given rate and time period. Useful for short-term loans and deposits.
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Compare approximate EMI under flat-rate vs reducing-balance interest on the same loan amount and tenure.
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Rough estimate of equity delivery brokerage and statutory charges on a trade value. Rates vary by broker.
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Estimate Employees’ Provident Fund balance from monthly salary contributions (employee + employer share).
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Estimate National Pension System corpus from monthly contributions and expected return until retirement.
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Estimate monthly pension under Atal Pension Yojana from contribution period and target pension band.
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Estimate gratuity payable for eligible employees under the Payment of Gratuity Act (₹10 lakh cap not applied here).
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Estimate corpus needed for retirement from monthly expenses, inflation, and years until retirement.
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Estimate income tax under the old tax regime slabs (FY 2024–25) plus 4% cess. For illustration only.
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Estimate exempt House Rent Allowance under Section 10(13A) for salaried taxpayers in metro/non-metro cities.
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Calculate Tax Deducted at Source on a payment amount at a given TDS rate percentage.
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Add or remove GST from an amount at 5%, 12%, 18%, or 28% slab. Quick invoice and expense estimates.
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Rough net take-home from annual CTC after standard deduction and old-regime tax estimate.
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