Tools and Calculator
SIP Calculator
The SIP Calculator helps you estimate the potential value of your Systematic Investment Plan (SIP) over a selected time period based on an assumed rate of return. It shows how regular monthly investments can grow over time through compounding.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'SIP' calculator.
When the calculator opens, the following default values are shown:
Monthly SIP Amount: ₹15,000
Investment Time Period: 15 years
Expected Return Rate: 15% p.a.
These values are for illustration purposes only and can be modified.
For all input fields in this calculator:
You can either:
Use the slider, or
Manually enter the value
Entered values must be within the minimum and maximum range shown
The selected value is displayed clearly above the slider
Any change made updates the calculation instantly
Step-by-Step Process
Step 1: Enter Monthly SIP Amount
Enter the amount you plan to invest every month
This represents your regular SIP contribution
Step 2: Select Investment Time Period
Select the number of years you plan to continue the SIP
This also represents how long you intend to stay invested for this calculation
Step 3: Set Expected Return Rate
Enter the expected annual rate of return (%)
This is an assumed rate used only for estimation
Understanding the Results
The circular chart and figures below display:
Invested Amount – Total amount invested over the SIP period
Estimated Return – Indicative gains based on assumed returns
Total Value – Sum of invested amount and estimated return
These values change dynamically as you adjust the inputs.
Important Notes
Returns shown are indicative and not guaranteed
The calculator does not predict actual market performance
SIP returns may vary depending on market conditions
This tool is meant for planning and awareness purposes only
Cost of Delay
The Cost of Delay Calculator helps you understand the financial impact of delaying your SIP investments. It compares the potential outcomes of starting a SIP earlier versus starting later, and highlights how even a few years of delay can affect long-term wealth creation.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'Cost of Delay' calculator.
When the calculator opens, the following default values are pre-filled:
Age 1 (Early Start): 20 years
Age 2 (Delayed Start): 35 years
SIP End Age: 60 years
Monthly SIP Amount (Both Scenarios): ₹5,000
Expected Return Rate: 12% p.a.
These default values are only for illustration and can be modified.
Step-by-Step Process
Step 1: Select SIP Start Ages
Enter Age 1, the age at which SIP should have started.
Enter Age 2, the age at which SIP is started after a delay.
Both ages must fall within the permissible range displayed
Step 2: Select SIP End Age
Choose the age until which SIP investments are continued
This represents the investment horizon for both scenarios
Step 3: Enter Monthly SIP Amounts
Enter the monthly SIP amount for the early-start scenario
Enter the monthly SIP amount for the delayed-start scenario
These are treated as two separate SIPs
The SIP amounts can be the same or different for each scenario
By default, both SIP amounts are set to ₹5,000 for comparison.
Step 4: Set Expected Return Rate
Enter the expected annual rate of return
This rate is assumed only for calculation purposes
Cost of Delay Insight
The calculator highlights:
Cost of Delay – the difference in maturity value caused by starting the SIP later
Catch-Up Gain – the incremental wealth generated by increasing the SIP amount in the delayed-start scenario
Together, these help you evaluate the trade-off between starting early and investing more later.
What is Catch-Up Gain?
Catch-Up Gain refers to the additional wealth generated by increasing the SIP amount when you start investing later, compared to continuing with the original SIP amount.
It helps you understand how much increase in SIP may be required to reduce or offset the impact of delay.
Key Clarifications:
Catch-up gain represents incremental wealth, not guaranteed profit
It is an illustrative measure, not a recommendation
Increasing SIP may reduce the gap but may not fully eliminate it
Understanding the Comparison
The calculator compares two scenarios:
SIP Started Earlier (Age 20)
SIP Started Later (Age 35)
For each scenario, it displays:
Total Amount Invested
Estimated Profits
Maturity Value
Important Notes
Calculations are based on assumed return rates
Results are indicative and for planning purposes only
Actual market returns may differ
This tool does not provide investment advice or recommendations
Step Up SIP
The Step-Up SIP Calculator helps you estimate the potential future value of your investments when you increase your SIP amount every year by a fixed percentage (step-up). It helps you understand how gradually increasing your SIP may impact long-term wealth creation.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'Step Up SIP' calculator.
When the calculator opens, the following default values are prefilled for illustration:
Monthly SIP Amount: ₹15,000
Annual Step-Up: 10%
Investment Period: 15 years
Expected Return Rate: 12% p.a.
For all inputs in this calculator:
You can either use the slider or manually enter values
Entered values must be within the minimum and maximum range displayed
All calculations update automatically based on the inputs provided
Step-by-Step Process
Step 1: View the Investment Summary
A visual ring chart shows:
Invested Amount
Estimated Return
Below the chart, the following figures are displayed:
Invested Amount
Estimated Return
Total Value (Invested Amount + Estimated Return)
These figures are initially shown based on the default illustrative values and update automatically when inputs are changed.
Step 2: Set Monthly SIP Amount
Select the monthly SIP amount you plan to invest
Step 3: Choose Annual Step-Up Percentage
Select the percentage by which your SIP amount increases every year
Step 4: Select Investment Time Period
Select the SIP duration, i.e., the number of years you plan to continue investing through SIP
This also represents how long you intend to stay invested for the purpose of this calculation
Step 5: Enter Expected Return Rate
Enter an assumed annual rate of return for calculation purposes
Step 6: Review Calculated Results
As inputs are modified, the calculator updates:
Invested Amount
Estimated Return
Total Value
The chart visually reflects the proportion between investment and estimated returns
No investment order or transaction is placed from this screen
Systematic Withdrawal Plan
The SWP (Systematic Withdrawal Plan) Calculator helps you estimate how long your investment may last when you withdraw a fixed amount regularly. It shows the total amount withdrawn and the remaining balance value based on your investment amount, withdrawal rate, time period, and expected return.
This calculator is for illustration purposes only and does not guarantee actual returns.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'SWP' calculator.
When the calculator opens, the following default values are pre-filled:
Total Investment: ₹5,00,000
Monthly Withdrawal: ₹10,000
Time Period: 5 years
Expected Return Rate: 12% p.a.
These default values are only for illustration and can be changed.
For all input fields in this calculator:
You can either:
Use the slider, or
Manually enter the value
Entered values must remain within the minimum and maximum range shown
Any change made updates the calculation instantly
Step-by-Step Process
Step 1: Enter Total Investment Amount
Specify the total amount invested before starting withdrawals
This represents the initial corpus used for the SWP calculation
Step 2: Set Monthly Withdrawal Amount
Enter the amount you plan to withdraw every month
This amount is assumed to remain constant throughout the selected period
Step 3: Select Investment Time Period
Select the number of years for which you want to continue withdrawals
This represents how long the investment is expected to support regular withdrawals
Step 4: Set Expected Return Rate
Enter the expected annual rate of return for the investment
This is an assumed rate used only for calculation
Actual returns may differ based on market conditions
Understanding the Results
At the top of the screen, the calculator displays:
Total Withdrawn The cumulative amount withdrawn over the selected time period
Balance Value The estimated remaining value of the investment after all withdrawals
Balance Value Indicator
If withdrawals are higher than what the investment can sustain, the Balance Value is shown in red
A red balance value indicates that the investment may get exhausted before the selected period ends
All results update dynamically as inputs are modified.
Important Notes
This calculator provides indicative estimates only
It does not account for:
Taxes
Exit loads
Market fluctuations
Red or negative balance values indicate over-withdrawal risk
Actual SWP outcomes may vary
Inflation Calculator
The Inflation Calculator helps you estimate how the cost of an expense may increase over time due to inflation. It shows the future value of today’s cost, helping you plan better for long-term goals such as education, healthcare, or other major expenses.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'Inflation' calculator.
Step-by-Step Process
Step 1: Enter Current Cost
Enter the present-day cost of the expense you are planning for
This could be education fees, medical expenses, or any other future goal.
The selected amount is displayed clearly above the slider
Step 2: Select Time Period
Choose the number of years after which the expense is expected to occur
This represents how long inflation will impact the cost
Step 3: Set Inflation Rate
Enter the expected annual inflation rate (%)
This reflects how much the cost is assumed to increase every year
For all inputs, you can either use the slider or manually enter values. Entered values must be within the minimum and maximum range shown.
Understanding the Results
Below the chart, the following values are displayed:
Current Cost – The cost today
Cost Increase – The increase due to inflation over the selected period
Future Cost – The estimated cost after accounting for inflation
These values update automatically whenever you change any input.
Example (Illustrative – Children’s Education)
Suppose the current cost of your child’s college education is ₹25,00,000 today.
Current Cost: ₹25,00,000
Time Period: 15 years
Expected Inflation Rate: 6% per year
Using the Inflation Calculator:
The estimated future cost after 15 years would be approximately ₹60–65 lakh.
This means an education expense that costs ₹25 lakh today may cost more than double in the future due to inflation.
This example is for illustration purposes only. Actual costs and inflation rates may vary.
Important Notes
Inflation rates are assumptions, not predictions
The calculator provides indicative estimates only
Results should be used for planning and awareness, not as guaranteed outcomes
Wealth Calculator
The Wealth Calculator helps you estimate the future value of a one-time (lumpsum) investment over a selected time period based on an assumed rate of return. It gives an indicative view of how a single investment can grow over time through compounding.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'Wealth Calculator'.
When the calculator opens, the following default values are shown:
Lumpsum Investment Amount: ₹1,00,000
Investment Time Period: 25 years
Expected Return Rate: 15% p.a.
These values are for illustration purposes only and can be modified.
For all input fields in this calculator:
You can either:
Use the slider, or
Manually enter the value
Entered values must be within the minimum and maximum range shown
The selected value is displayed clearly above the slider
Any change made updates the calculation instantly
Step-by-Step Process
Step 1: Enter Lumpsum Investment Amount
Enter the one-time amount you plan to invest
This represents the total investment made at the start
Step 2: Select Investment Time Period
Select the number of years you plan to stay invested
This determines how long the investment is assumed to grow
Step 3: Set Expected Return Rate
Enter the expected annual rate of return (%)
This is an assumed rate, used only for estimation
Understanding the Results
The chart and figures below display:
Invested Amount – The one-time amount invested
Estimated Return – Indicative gains based on the assumed return rate
Total Value – Sum of invested amount and estimated return
These values change dynamically as you adjust the inputs.
Important Notes
Returns shown are indicative and not guaranteed
Actual returns may vary based on market conditions
This calculator does not account for taxes, exit loads, or inflation
The tool is meant for financial planning and awareness purposes only
Retirement Calculator
The Retirement Calculator helps you estimate the monthly SIP required to build a retirement corpus needed to meet your post-retirement expenses. It considers your current age, retirement age, expected lifespan, inflation (up to retirement), expected investment returns, and existing retirement savings to provide indicative estimates.
This calculator is for illustration purposes only and does not guarantee actual outcomes.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'Retirement Calculator'.
When the calculator opens, the following default values are pre-filled:
Current Age: 30 years
Retirement Age: 60 years
Expected Lifespan: 90 years
Current Monthly Expenses: ₹50,000
Expected Inflation: 4%
Current Retirement Corpus: ₹1,00,000
Pre-Retirement Expected Return: 12% p.a.
Post-Retirement Expected Return: 8% p.a.
These default values are only for illustration and can be changed.
For all input fields in this calculator:
You can either:
Use the slider, or
Manually enter the value
Entered values must remain within the minimum and maximum range shown
Any change made updates the calculation instantly
Step-by-Step Process
Step 1: Enter Current Age
Specify your current age
This determines the number of years available for retirement planning
Step 2: Select Retirement Age
Choose the age at which you plan to retire
This defines the pre-retirement investment period
Step 3: Set Expected Lifespan
Enter the age up to which you expect your retirement corpus to last
This defines the post-retirement period
Step 4: Enter Current Monthly Expenses
Enter your present monthly living expenses
These expenses are inflation-adjusted until the year of retirement
Step 5: Set Expected Inflation Rate
Enter the expected annual inflation rate
Inflation adjustment is applied only up to retirement
Post-retirement expenses are assumed to remain constant in real terms
Step 6: Enter Current Retirement Corpus
Specify the amount already saved towards retirement
This amount is considered while calculating the final retirement requirement
Step 7: Set Pre-Retirement Expected Return
Enter the expected annual return during the accumulation phase
This applies to investments made before retirement
Step 8: Set Post-Retirement Expected Return
Enter the expected annual return during the withdrawal phase
This applies to the retirement corpus after retirement
Understanding the Results
At the top of the screen, the calculator displays:
Retirement Corpus The estimated total amount required at the time of retirement to support expenses till the expected lifespan
Required Monthly SIP The estimated monthly investment required to build the retirement corpus, after considering current savings
All results update dynamically as inputs are modified.
Important Notes
This calculator provides indicative estimates only
It does not account for:
Taxes
Changes in lifestyle or future expenses
Market volatility
Inflation is adjusted only until retirement
Actual retirement outcomes may differ from estimates
SIP Goal Calculator
The SIP Goal Calculator helps you estimate the monthly SIP required to achieve a specific financial goal within a defined time period. It considers your target goal amount, any initial investment, expected returns, and investment duration to provide an indicative monthly SIP amount.
This calculator is for illustration purposes only and does not guarantee actual returns.
Go to 'Dashboard'.
Scroll down to find 'Tools and Calculators'.
Tap on 'SIP Goal Calculator'.
When the calculator opens, the following default values are pre-filled:
Goal Amount: ₹50,00,000
Initial Investment: ₹1,00,000
Time Period: 20 years
Expected Return Rate: 12% p.a.
These default values are only for illustration and can be modified.
For all input fields in this calculator:
You can either:
Use the slider, or
Manually enter the value
Entered values must remain within the minimum and maximum range shown
Any change made updates the calculation instantly
Step-by-Step Process
Step 1: Enter Goal Amount
Specify the total amount you want to accumulate for your goal
This represents the target value to be achieved at the end of the selected period
Step 2: Enter Initial Investment (If Any)
Enter any one-time amount you plan to invest at the beginning
This amount reduces the monthly SIP required to reach the goal
Step 3: Select Investment Time Period
Choose the number of years you plan to stay invested
This represents the goal duration
Step 4: Set Expected Return Rate
Enter the expected annual rate of return
This is an assumed rate used only for calculation
Actual returns may vary based on market conditions
Understanding the Results
Below the chart, the calculator displays:
Invested Amount The total amount invested through SIP and initial investment
Estimated Return The estimated gain based on the selected return rate
Monthly SIP The estimated monthly investment required to achieve the goal amount
These values update dynamically as inputs are modified.
Important Notes
This calculator provides indicative estimates only
It does not account for:
Taxes
Exit loads
Market volatility
Expected returns are assumptions and not guarantees
Actual investment outcomes may differ
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