Free Tools

Financial Calculators

Plan your investments, calculate your retirement corpus, estimate your EMI and more. All calculations are indicative — speak to us for personalised advice.

SIP Calculator LIVE

Calculate the future value of your monthly Systematic Investment Plan.

Monthly Investment₹5,000

₹500₹1L

Duration10 Years

1 Yr40 Yrs

Expected Return12%

1%30%

Estimated Corpus₹0

Total Invested₹0

Wealth Gained₹0

Get Personalised SIP Plan →

Lumpsum Calculator LIVE

See how a one-time investment grows over time with compounding.

One-Time Investment₹1,00,000

₹10K₹1 Cr

Duration10 Years

1 Yr40 Yrs

Expected Return12%

1%30%

Estimated Corpus₹0

Amount Invested₹0

Wealth Gained₹0

Discuss Lumpsum Strategy →

SIP vs Lumpsum

Compare what ₹X/month as SIP vs the same amount invested as annual lumpsum returns over time.

Monthly Amount₹5,000

₹500₹1L

Duration10 Years

1 Yr40 Yrs

Expected Return12%

1%30%

Monthly SIP

₹0

Invested: ₹0

Gains: ₹0

Annual Lumpsum

₹0

Invested: ₹0

Gains: ₹0

Discuss Which Suits You →

Goal-Based SIP

Know exactly how much to invest monthly to reach your financial goal.

Target Amount₹50 L

₹1L₹10 Cr

Time to Goal10 Years

1 Yr40 Yrs

Expected Return12%

1%30%

Monthly SIP Required₹0

Total You Invest₹0

Market Does the Rest₹0

Start Goal-Based Investing →

Education Planning

Calculate how much to invest now to fund your child's higher education.

Child's Current Age5 Years

1 Yr17 Yrs

Current Education Cost₹20 L

₹1L₹1 Cr

Education Inflation7%

4%15%

Expected Return11%

5%20%

Monthly SIP Required₹0

Future Education Cost₹0

Years to Plan0 Years

Market Contribution₹0

Plan Your Child's Future →

Retirement Corpus Calculator

Find out how much you need to retire comfortably and what monthly SIP gets you there.

Current Age30 Years

2060

Retirement Age60 Years

4070

Monthly Expenses Today₹50,000

₹10K₹5L

Expected Inflation6%

3%10%

Expected Return10%

5%18%

Corpus Required₹0

Monthly SIP Needed₹0

Monthly Expense at Retirement₹0

Years to Retirement0 Years

Plan Your Retirement →

Inflation Impact Calculator

See how inflation erodes purchasing power and how much more you'll need in the future.

Current Amount / Annual Expense₹5,00,000

₹10K₹1 Cr

Number of Years20 Years

1 Yr50 Yrs

Inflation Rate6%

2%15%

Amount Needed in Future₹0

Value of Today's ₹1L in Future₹0

Purchasing Power Lost0%

This is why staying invested matters — inflation-beating returns protect your wealth.

Protect Against Inflation →

SWP Calculator

See how long your corpus lasts with a Systematic Withdrawal Plan — useful for retirement income.

Total Investment (Corpus)₹50 L

₹1L₹10 Cr

Monthly Withdrawal₹30,000

₹1K₹5L

Expected Return8%

1%15%

Time Period20 Years

1 Yr40 Yrs

Balance After Period₹0

Total Withdrawn₹0

Monthly Withdrawal₹0

—

Plan Your Income →

ELSS Tax Saving Calculator

Calculate how much tax you save under Section 80C with ELSS and your projected 3-year corpus.

Annual Investment₹1,50,000

₹500₹1.5L (80C max)

Your Tax Slab30%

5%30%

Expected Return (Annual)12%

5%20%

Tax Saved This Year₹0

Corpus after 3 Years₹0

Returns Earned₹0

Lock-in Period3 Years

LTCG above ₹1.25L taxed at 12.5%. Individual tax benefits may vary — consult a tax advisor.

Invest in ELSS →

EMI Calculator

Calculate your monthly loan EMI, total payment and total interest outgo.

Loan Amount₹50 L

₹1L₹10 Cr

Interest Rate8.5%

5%24%

Loan Tenure20 Years

1 Yr30 Yrs

Monthly EMI₹0

Principal Amount₹0

Total Interest₹0

Total Payment₹0

Discuss Loan Options →

Life Cover Estimator

An indicative estimate of the life insurance cover you may need to protect your family.

Annual Income₹12 L

₹1L₹5 Cr

Years of Income to Replace15 Years

530

Outstanding Liabilities / Loans₹20 L

₹0₹5 Cr

Existing Life Cover₹0

₹0₹5 Cr

Recommended Cover₹0

Income Replacement₹0

+ Liabilities₹0

− Existing Cover₹0

Indicative only — actual cover depends on your goals, dependents and existing assets. We can help you assess it.

Review My Protection →

Emergency Fund Calculator

Find out how large your emergency fund should be — and how much more you need to build.

Monthly Expenses₹40,000

₹5K₹5L

Months of Coverage6 Months

324

Current Emergency Savings₹50,000

₹0₹50L

Target Emergency Fund₹0

Monthly Expenses₹0

Current Savings₹0

Still to Build₹0

—

Build My Safety Net →

Risk Profile

Risk Profile Questionnaire

Answer a few questions to understand your indicative investment risk profile.

1What is your primary investment horizon?

Less than 1 year 1 – 3 years 3 – 5 years 5 – 10 years More than 10 years

2If your portfolio fell 20% in a month, you would:

Sell everything Sell some investments Do nothing and wait Invest a little more Invest significantly more

3Your primary investment objective is:

Protect my capital Steady, regular income Balanced growth Long-term growth Maximum growth

4How stable is your current income?

Unstable / variable Somewhat stable Very stable and secure

5Your investment experience is:

None Basic (FDs, savings) Moderate (mutual funds) Experienced (equity) Very experienced

6Which age group are you in?

55+ 45 – 55 35 – 45 25 – 35 Under 25

Please answer all questions to see your result.

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Discuss My Profile →

This is an educational tool, not a suitability assessment or personalised advice.

Financial Health

Financial Health Score

Answer a few questions to see how financially prepared you are today.

1Do you have an emergency fund?

None Less than 3 months of expenses 3 – 6 months More than 6 months

2Life insurance cover:

None Some, likely insufficient Adequate term cover

3Health insurance cover:

None Basic / employer only Adequate family cover

4Regular investing / SIP:

Not investing Occasionally Regular SIP (under 20% of income) Regular SIP (20%+ of income)

5Retirement planning:

Not started Thinking about it Some savings set aside On track with a plan

6Your debt situation:

High-interest debt Manageable EMIs Little or no debt

7Financial goals:

None defined A few in mind Clear goals with plans

8Nominations updated on accounts?

No / unsure Partially Yes, on all accounts

9Do you have a Will / estate plan?

No Planning to Yes

10Do you track your budget / expenses?

Never Sometimes Regularly

Please answer all questions to see your result.

—

Improve My Score →

This is an educational tool, not a suitability assessment or personalised advice.

All calculations are based on the inputs provided and assumed return rates. Mutual fund returns are subject to market risks and are not guaranteed. Past performance is not indicative of future results. These calculators are for illustrative purposes only — please consult a qualified financial advisor before investing. VYGenius Investments — ARN: 246396.

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