> For the complete documentation index, see [llms.txt](https://usermanuals.geojit.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://usermanuals.geojit.com/fundsgenie-mobile/dashboard/tools-and-calculator.md). # Tools and Calculator Explore our financial tools and calculators to estimate investment growth, plan future goals, assess retirement needs, and make smarter wealth-building decisions with confidence. * Log in to FundsGenie. * You will land on the **'Dashboard'** page by default. * Scroll down to find **'Tools and Calculators.'**
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