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Money / Personal Finance

Build a stronger money system.

Practical guidance for budgeting, saving, banking, credit and everyday financial decisions in India.

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Money topics

01Saving & BudgetingBuild a budget, manage spending and create an emergency cushion.Explore guides →02BankingUnderstand accounts, deposits, interest and everyday banking choices.Explore guides →03Credit ScoreLearn how credit works and how borrowing decisions affect your profile.Explore guides →04Personal FinancePractical money lessons covering everyday decisions.Read guides →05Financial PlanningConnect income, spending, savings and goals into one plan.Plan your money →06Money CalculatorsTurn financial questions into useful numbers.Open tools →
Invest / Wealth Building

Invest with a process, not a guess.

Learn mutual funds, SIPs, stocks, ETFs, gold, bonds and long-term portfolio thinking.

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Investment topics

01Mutual FundsUnderstand fund types, costs and risk.Explore guides →02SIPLearn how systematic investing works.Explore guides →03StocksBuild a foundation for shares and business analysis.Explore guides →04ETFsUnderstand exchange-traded funds and their use.Explore guides →05Gold & BondsLearn diversification and income basics.Explore guides →06IPO & Long-Term InvestingSeparate short-term excitement from long-term investing.Explore guides →
Borrow / Credit & Debt

Borrow less blindly. Choose credit better.

Understand loans, EMIs, interest costs, eligibility and debt management before you borrow.

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Borrowing topics

01Home LoansUnderstand home-loan cost and repayment.Explore guides →02Personal LoansUnderstand rates, fees and borrowing cost.Explore guides →03Car LoansSee how tenure and interest affect cost.Explore guides →04Education LoansUnderstand financing and repayment.Explore guides →05EMI & InterestSee how principal, interest and tenure interact.Explore guides →06Debt ManagementBuild a strategy for existing and future debt.Plan your debt →
Tax / India

Make tax decisions with clarity.

Understand income tax, tax regimes, ITR, TDS, GST and capital gains through practical explainers.

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Tax topics

01Income TaxUnderstand the basic framework and common decisions.Explore guides →02New vs Old Tax RegimeCompare the structures that matter when choosing.Explore guides →03ITRLearn filing, documents and return concepts.Explore guides →04TDSUnderstand withholding and tax certificates.Explore guides →05GSTPractical explainers for GST basics.Explore guides →06Capital GainsUnderstand how investment gains affect tax planning.Explore guides →
Editorial rule: tax content should always carry the relevant financial year/date context because rules can change.
Protect / Family & Future

Protect the plan you are building.

Insurance, emergency funds and retirement planning help protect income, family goals and long-term resilience.

Explore Protection GuidesPlan with Tools

Protection topics

01Life InsuranceUnderstand the role of life cover.Explore guides →02Health InsuranceLearn the core concepts behind health cover.Explore guides →03Term InsuranceUnderstand pure protection and cover needs.Explore guides →04Emergency FundBuild a cash buffer for unexpected expenses.Explore guides →05Retirement PlanningConnect future goals with savings and time.Explore guides →06Family Financial ProtectionThink across income, health and dependants.Build your plan →
Markets / Economy

Understand markets beyond the headline.

Follow Indian markets, economic signals, inflation, sectors and global developments with context rather than noise.

Explore Market TrendsIndian Market

Market topics

01Nifty & SensexUnderstand major Indian market benchmarks.Explore guides →02Market TrendsTrack themes shaping investor sentiment.Explore trends →03EconomyConnect growth, inflation and policy.Explore guides →04Business & SectorsLook at sectors through a finance lens.Explore guides →05Global MarketsUnderstand major global market influence.Explore guides →06Market AnalysisAsk what changed, why and what matters next.Read analysis →
Tools / Calculators

Turn financial questions into numbers.

Use simple calculators for EMIs, SIPs, fixed deposits, tax and retirement planning.

Open All CalculatorsBack to Money

Popular tools

01EMI CalculatorEstimate monthly loan payments.Calculate EMI →02SIP CalculatorExplore regular investing outcomes.Calculate SIP →03FD CalculatorEstimate fixed-deposit maturity values.Calculate FD →04Tax CalculatorUse an educational tax estimate.Calculate tax →05Retirement CalculatorThink about future corpus needs.Plan retirement →06Financial HealthReview savings, emergency cushion and debt.Check financial health →
Important: calculator outputs are estimates based on assumptions entered and are not guaranteed financial outcomes.
MONEY • TOOLS

Calculator

Clear numbers for better financial decisions.

Calculator

What to check before you decide

    How to use this calculator

    Use the result as an educational planning illustration. Change the assumptions and compare scenarios rather than relying on one number.

    Should I compare multiple scenarios?

    Yes. Interest rates, returns, inflation, fees, taxes and timelines can materially change the result.

    Are the results guaranteed?

    No. Actual outcomes depend on the product terms, market conditions, taxes, fees, timing and your individual circumstances.

    Can this replace professional advice?

    No. Use it as an educational tool and verify important financial decisions with the relevant institution or qualified professional.

    Important: This calculator is for educational illustration only. Actual outcomes may differ.
    Fintaxtical • Understand Money. Decide Better.

    SIP Calculator

    Invest • Mutual Funds

    SIP Calculator

    Estimate how a regular investment could grow over time and see the difference between your own contributions and the illustrated investment gains.

    India-focusedFree calculatorIllustration only

    SIP Calculator

    Invested amount—
    Estimated gains—
    Future value—

    Use SIP for a decision, not just a number

    • Test 8%, 10%, 12% and 14% scenarios instead of relying on one return assumption.
    • Add a step-up to see how increasing contributions can change the outcome.
    • Compare the future value with the future cost of your goal after inflation.
    • Do not treat an assumed market return as guaranteed.
    Best practice: Start with the goal amount and time horizon, then work backwards to the required monthly contribution.

    What a SIP calculator is really showing

    A SIP calculator is a projection tool. It applies an assumed rate to a sequence of contributions. It does not predict the actual path of a mutual fund or equity market.

    SEBI's investor calculator similarly describes SIP outputs as illustrations and notes that market returns are not fixed or predictable.

    The four variables that matter most

    VariableWhy it matters
    Monthly investmentDetermines how much capital you contribute.
    TimeLonger periods can give compounding more time to work.
    Return assumptionHigher assumptions increase projections but also increase uncertainty.
    Step-upIncreasing contributions can align investments with income growth.

    Important individual checks

    • Emergency fund first: do not invest money that may be needed immediately.
    • Match the investment horizon to the goal.
    • Use realistic return assumptions and stress-test the result.
    • Consider inflation: a ₹50 lakh goal today may cost substantially more in the future.
    • For actual fund selection, evaluate risk, costs, portfolio, suitability and your own horizon separately.

    Frequently Asked Questions

    Does SIP guarantee 12%?

    No. The percentage is an assumption used for illustration.

    What is a step-up SIP?

    It increases the contribution periodically, such as annually, rather than keeping the monthly amount constant.

    Why is my actual mutual fund return different?

    Markets fluctuate. The timing and amount of each contribution and the actual NAV path determine the realised result.

    Important: This calculator is for educational illustration only. Actual outcomes depend on product terms, taxes, fees, market returns, timing and individual circumstances. Verify important financial decisions with the relevant institution/professional.

    Fintaxtical • Understand Money. Decide Better.

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    Clear & PracticalFinance explained in simple language.
    Decision FocusedTools built to help you understand trade-offs.
    EducationalInformation is for learning, not personalized advice.