India-focused finance tools, not investment advice
Finance calculators and explainersbuilt for clearer decisions.
Start with SIP, SWP, and lumpsum calculators, then explore loans, savings, credit cards, gold finance, and mutual fund explainers in one neutral, non-advisory workspace.
Start with your question.
The things people most often come here to work out, each answered by a calculator.
- How much EMI will I pay on a loan?EMI Calculator
- What could a monthly SIP grow to?SIP Calculator
- What will my FD pay at maturity?FD Calculator
- How large a corpus might retirement need?Retirement Calculator
- Roughly how much income tax will I pay?Income Tax Calculator
- What will today’s costs be in ten years?Inflation Calculator
- What changes if I raise my SIP every year?Step-Up SIP Calculator
- What does starting a few years late cost?Delay Cost Calculator
Thirty years of a ₹5,000 SIP, one year per scroll.
₹5,000 a month at an assumed 12% a year, held constant. An illustration of the formula, not a forecast.
- Year
- 01
- Put in
- ₹60,000
- Estimated value
- ₹64,047
- The first yearsMostly your own money. After 5 years: ₹3 L in, ₹1.12 L estimated growth.
- Around year 10Growth starts to matter: ₹6 L in, ₹5.62 L of estimated growth.
- Around year 20Estimated growth is about 3.2× the money put in. Each bar now rises faster.
- Year 30Contributions are roughly 10% of the total. The rest is growth on growth.
Explore tools by topic.
Each section groups calculators, explainers and FAQs for one kind of decision.
Savings and DepositsFocuses on fixed deposit, recurring deposit, tax-saving deposit, and emergency fund planning tools.- FD returns calculator
- RD maturity planner
- Emergency fund runway calculator
LoansOrganized around personal, home, and business loan calculators, EMI explainers, and cost breakdown pages.- EMI calculator
- Loan affordability planner
- Prepayment impact simulator
Mutual FundsEducational calculators for SIP, SWP, lumpsum planning, and neutral mutual-fund explainers without advisory language.- SIP calculator
- SWP calculator
- Lumpsum calculator
Gold FinanceCovers gold loan workflows, purity/value estimators, pledge planning, and rate explanation pages.- Gold loan eligibility calculator
- Gold purity value estimator
- Gold loan repayment planner
Credit CardsFocuses on fee estimators, reward value explainers, repayment cost calculators, and category-based comparison pages.- Credit card payoff calculator
- Reward value estimator
- Annual fee comparison matrix
Calculator-first finance pages with assumptions shown clearly.
- Fast estimatesEvery page should help users reach a useful number, comparison, or explanation quickly.
- Clear assumptionsInputs, formulas, and result limitations should stay visible so users understand what the estimate means.
- No product pushingThe site should explain mechanics and tradeoffs without turning calculators into recommendation pages.
The SIP formula, part by part
=×(1 + ) − 1×(1 + )
FVFuture valueThe estimated value at the end of the period.₹25,22,880
Example: ₹5,000 a month, 12% assumed, 15 years. The SIP calculator runs this formula on every change.
No financial advice
The site avoids suitability calls, return promises, and product recommendations.
Formula-led tools
Calculators are built around transparent inputs, formulas, and outputs users can check themselves.
Neutral explainers
Supporting content focuses on definitions, assumptions, and costs instead of promotional language.
- 100%
educational, non-advisory content
Every calculator.
Filter by topic or type a name. Each one opens with its inputs, assumptions and limits in full view.
- SIP CalculatorEstimate how a monthly SIP may grow over time and see the effect of changing the amount, return assumption, or investment horizon.
- SWP CalculatorEstimate how a starting corpus may support regular withdrawals and how long the remaining balance may last under your chosen return assumption.
- Lumpsum CalculatorEstimate how a one-time investment may grow over time and compare the gain created by different return and tenure assumptions.
- Sukanya Samriddhi Yojana CalculatorEstimate Sukanya Samriddhi Yojana maturity value using annual contribution, contribution period, maturity period, and rate assumptions.
- FD CalculatorEstimate fixed deposit maturity value, interest earned, and total payout using your deposit amount, rate, tenure, and compounding assumptions.
- Post Office FD CalculatorEstimate fixed deposit maturity value, interest earned, and total payout using your deposit amount, rate, tenure, and compounding assumptions.
- EMI CalculatorEstimate EMI, total interest, and total repayment so you can compare loan affordability across amount, rate, and tenure combinations.
- Home Loan EMI CalculatorEstimate EMI, total interest, and total repayment so you can compare loan affordability across amount, rate, and tenure combinations.
- Loan Against Property EMI CalculatorEstimate EMI, total interest, and total repayment so you can compare loan affordability across amount, rate, and tenure combinations.
- HDFC SIP CalculatorEstimate how a monthly SIP may grow over time and see the effect of changing the amount, return assumption, or investment horizon.
- LIC SIP CalculatorEstimate how a monthly SIP may grow over time and see the effect of changing the amount, return assumption, or investment horizon.
- RD CalculatorEstimate recurring deposit maturity value from your monthly deposit, chosen rate, and tenure, and see the total contribution alongside the final amount.
- SBI SIP CalculatorEstimate how a monthly SIP may grow over time and see the effect of changing the amount, return assumption, or investment horizon.
- Step-Up SIP CalculatorEstimate how increasing your SIP every year can change your final corpus compared with keeping the same monthly amount throughout.
- ULIP CalculatorEstimate how ULIP premiums may grow over time after accounting for return and charge assumptions in a simple planning view.
- Car Loan EMI CalculatorEstimate EMI, total interest, and total repayment so you can compare loan affordability across amount, rate, and tenure combinations.
- EPF CalculatorEstimate how EPF contributions may build into a larger corpus over time using salary, contribution rate, interest, and tenure assumptions.
- Income Tax CalculatorEstimate income tax under a simplified India tax setup and see how deductions and taxable income change the final amount.
- Mutual Fund Returns CalculatorEstimate mutual fund return scenarios using one-time and recurring contributions, then compare how each one changes the projected corpus.
- NPS CalculatorEstimate NPS corpus growth and see the potential split between lump sum and annuity based on your contribution and allocation assumptions.
- Personal Loan EMI CalculatorEstimate EMI, total interest, and total repayment so you can compare loan affordability across amount, rate, and tenure combinations.
- SBI Home Loan EMI CalculatorEstimate your SBI home loan EMI, total interest and total amount payable, then see the full year-by-year repayment schedule, the effect of prepayments, and a salary-based eligibility check.
- LIC Home Loan EMI CalculatorEstimate your LIC home loan EMI, total interest and total amount payable, with a yearly and monthly repayment schedule, prepayment savings and a salary-based eligibility check.
- Bank of Baroda Personal Loan EMI CalculatorEstimate your Bank of Baroda personal loan EMI, total interest and total cost including the processing fee, with a full repayment schedule, prepayment savings and a salary-based eligibility check.
- Retirement CalculatorEstimate how much retirement corpus may be needed based on current expenses, inflation, post-retirement return, and retirement duration assumptions.
- Compound Interest CalculatorEstimate compound growth on a principal amount and see how rate, time, and compounding frequency influence the final value.
- Stock Average CalculatorEstimate your new average purchase price after buying additional shares at a different price point.
- Daily SIP CalculatorEstimate how a daily SIP contribution may build over time and compare it with the kind of monthly amount it roughly adds up to.
- Inflation CalculatorEstimate how inflation may change the future cost of an amount over time and compare today’s value with its projected future equivalent.
- Retirement Planning CalculatorEstimate your retirement gap by comparing target corpus with current savings, monthly contributions, inflation, and return assumptions.
- Target Amount SIP CalculatorEstimate the monthly SIP that may be needed to work toward a target corpus within a chosen time period and return assumption.
- Delay Cost CalculatorEstimate the opportunity cost of starting later by comparing a delayed SIP plan with the same plan started earlier.
- SBI Car Loan EMI CalculatorEstimate your SBI car loan EMI, total interest and total amount payable, with a yearly and monthly repayment schedule, prepayment savings and a salary-based eligibility check.
- SBI Personal Loan EMI CalculatorEstimate your SBI personal loan EMI, total interest and total cost including the processing fee, with a full repayment schedule, prepayment savings and a salary-based eligibility check.
- HDFC Loan EMI CalculatorEstimate your HDFC personal loan EMI, total interest and total cost including the processing fee, with a repayment schedule, prepayment savings and a salary-based eligibility check.
- Education Loan EMI CalculatorEstimate your education loan EMI including the moratorium period: interest during the course, the balance when EMIs start, total interest and a year-wise repayment schedule.
- Interest Rate CalculatorFind the real interest rate on a loan from its amount, EMI and tenure, along with total interest and the monthly rate.
- Flat vs Reducing Rate CalculatorCompare a flat interest rate with a reducing-balance rate: see the EMI and total interest under each and the reducing rate that a flat rate really equals.
- GST CalculatorAdd GST to a price or take GST out of a GST-inclusive price, with the CGST, SGST or IGST split shown for any rate.
- Salary CalculatorConvert CTC to in-hand salary for FY 2026-27: monthly take-home pay after PF, professional tax and income tax under the new or old regime.
- HRA CalculatorCalculate how much of your house rent allowance is exempt from tax and how much is taxable, using the three-way HRA rule.
- Gratuity CalculatorCalculate gratuity from last drawn basic pay plus DA and years of service, with the tax-free limit and taxable part shown.
- PPF CalculatorEstimate your PPF maturity value, total investment and interest earned, with a year-wise balance table for 15 years and extensions in blocks of 5 years.
- Post Office PPF CalculatorEstimate the maturity value of a Post Office PPF account from your yearly or monthly deposits, with the year-wise balance and interest.
- NSC CalculatorEstimate the maturity value of a National Savings Certificate after 5 years, with the interest accrued each year.
- SCSS CalculatorEstimate the quarterly interest, monthly equivalent and total interest from the Senior Citizens Savings Scheme for any deposit up to ₹30 lakh.
- Post Office Monthly Income Scheme CalculatorEstimate the monthly income from the Post Office Monthly Income Scheme, plus total interest over 5 years, for single and joint accounts.
- Post Office RD CalculatorEstimate the maturity value of a Post Office Recurring Deposit from your monthly deposit, with quarterly compounding and a year-wise view.
- SBI RD CalculatorEstimate the maturity value of an SBI recurring deposit from your monthly instalment, the rate and the tenure, with quarterly compounding and a year-wise view.
- SBI FD CalculatorEstimate SBI fixed deposit maturity value or regular payouts, with tenure in months and days, quarterly compounding and a senior-citizen rate option.
- APY CalculatorFind your Atal Pension Yojana monthly contribution for a guaranteed pension of ₹1,000 to ₹5,000 from age 60, with the full contribution chart.
- Simple Interest CalculatorCalculate simple interest and the total amount from principal, rate and time in years, months or days, with a comparison against compound interest.
- Brokerage CalculatorEstimate brokerage, STT, exchange charges, SEBI fee, stamp duty and GST on a trade, with net profit and the break-even move per share.
- ROI CalculatorWork out the return on investment as a total percentage and as an annualised rate, from the amount invested, the amount returned and the holding period.
- CAGR CalculatorCalculate the compound annual growth rate between a starting and ending value, with a year-by-year view of the growth path.
- XIRR CalculatorCalculate XIRR, the annualised return on investments made at different dates, for a monthly SIP or for any list of dated investments and withdrawals.
About MultiWealth Finance
MultiWealth Finance is a free, independent website of finance calculators and explainers for India. Each calculator shows the inputs, the formula and the assumptions behind its result, so the number can be checked by hand.
MultiWealth Finance does not sell, distribute or recommend financial products, and it is not connected with any other business that uses a similar name. Its only address is multiwealthfinance.com.