Free Resources for Better Money Decisions

1. Enter your monthly investment and years.
2. Choose an expected annual return and optional top-up.
3. Compare projected value, contributions and gains.

Example: ₹10,000 monthly for 10 years means ₹12 lakh contributed before any investment growth.

Uses month-end contributions and an annual return divided by 12. Returns are illustrative and not guaranteed.

1. Enter the one-time investment.
2. Choose the expected annual return and number of years.
3. See estimated value, original investment and growth.

Example: ₹1 lakh at an assumed 10% annual return for 10 years becomes approximately ₹2.59 lakh.

Annual compounding is assumed. Actual returns fluctuate; tax and fees are excluded.

1. Enter the amount you want at the target date.
2. Enter years remaining, expected return and savings already set aside.
3. See the monthly investment needed to fill the projected gap.

Example: A ₹12 lakh future goal in 10 years with no existing savings and 0% return needs ₹10,000 monthly.

Enter the future target amount; use the Inflation Calculator first if your goal is priced today. Uses month-end SIPs and a monthly rate of annual return ÷ 12.

1. Enter the loan amount and annual interest rate.
2. Choose three different repayment tenures.
3. Compare each EMI and the extra interest over a longer tenure.

Example: A ₹12 lakh loan at 0% for 10 years has a monthly EMI of ₹10,000.

Assumes a fixed reducing-balance rate. Lender fees, insurance, rate changes and prepayments are excluded.

1. Enter your loan amount, rate and original tenure.
2. Choose a monthly SIP, or set an earlier repayment target.
3. Compare the remaining loan with the projected fund and lower-return scenario.

Example: Select “How much SIP do I need?” to estimate the monthly investment for your chosen closure year.

Keep paying your EMI. Investment growth is uncertain; settlement charges, investment taxes and exit loads are excluded.

1. Enter today’s cost.
2. Choose years and an assumed annual inflation rate.
3. See the estimated future cost and increase.

Example: An expense of ₹1 lakh today costs approximately ₹1.79 lakh after 10 years at 6% inflation.

A constant inflation rate is assumed. Actual inflation differs by expense and over time.

1. Enter essential monthly expenses, including EMI commitments.
2. Choose how many months you want covered and your existing emergency savings.
3. Enter monthly saving capacity to estimate the time needed to close the gap.

Example: ₹30,000 essential monthly expenses × 6 months gives a target of ₹1.80 lakh.

This is a cash-buffer estimate, with no investment returns assumed. Adjust coverage to your circumstances.

1. Open the Retirement Planner tab and enter your current and retirement ages.
2. Enter expenses, existing savings, investment assumptions and inflation.
3. Review estimated corpus, readiness and income projections.

Example: Changing your retirement age or inflation assumption lets you compare how your required savings change.

The existing planner also includes SIP, top-up SIP and SWP modes. Future returns and withdrawal sustainability are estimates.

1. Enter capital and the percentage you are prepared to risk.
2. Choose long or short and enter entry, stop-loss and optional target.
3. Enter the lot size; review quantity, planned loss, capital required and reward-to-risk.

Example: ₹1 lakh capital, 1% risk, ₹500 entry and ₹490 stop gives 100 shares before costs.

Uses whole lots. It does not cap leveraged exposure or calculate broker margin. Gaps, slippage and charges can make actual losses larger than the planned amount.