Financial Calculators & Planners

A ₹10,000 monthly SIP at a 12% expected annual return grows to approximately ₹99.9 lakh in 20 years. Since every instalment compounds for a different duration, your result depends on the monthly amount, tenure, and return rate; model your own numbers with the SIP calculator.

Neither is universally better; they solve different problems. A lump sum invests everything immediately and wins when markets rise early; a SIP phases entry over time, reducing timing risk through rupee-cost averaging. SIPs suit regular salaried income; lump sums suit windfalls. Compare both in our SIP vs Lump Sum analysis.

At an average inflation of 6%, ₹1 lakh today will buy only about what ₹24,700 buys in 2050, roughly a 75% loss of purchasing power over 24 years. This is why long-term goals must be planned in inflation-adjusted terms using the inflation calculator.

By 2030, at 6% average inflation, idle cash loses about 21% of its purchasing power: ₹1 lakh becomes roughly ₹79,200 in today's terms. Cash should cover only near-term needs and emergency reserves; see saving vs investing for where the rest belongs.

There is no single number; it depends on your monthly expenses, lifestyle, and expected post-retirement returns. A common starting rule is 25–30× your annual expenses at retirement, inflated to the year you turn 50 (healthcare costs typically rise faster than headline inflation). Project your own corpus with the retirement planner.

For equity mutual funds, long-term gains (held over 12 months) are taxed at 12.5% on gains above the ₹1.25 lakh annual exemption, and short-term gains at 20%. Debt funds are taxed at your income slab. Rates change with budgets. Verify with a qualified tax advisor. This is not tax advice.