How this site works

Where to start

Every page here works the same way: the figures go in, the arithmetic happens in your browser, and nothing you enter is ever sent anywhere. The FIRE, bucket strategy and goal calculators keep your plan in this browser so a refresh does not lose it. Only the detailed bucket plan needs an account, and there is no order to go in — the natural place to begin is whichever question is actually on your mind.

How much do I need is the Retirement Calculator's question; when could I stop working is the FIRE Calculator's; what does this goal take — a home, an education, a wedding — is the Financial Goal Calculator's; and will this last is the SWP & Tax Calculator's. Has this fund actually been any good belongs to Benchmark Comparison, where a fund is found by name, a benchmark index can be added beside it, a rolling period is chosen — three or five years is common — and the NAV, SIP and Lumpsum views each ask a different question of the same history. The terms they use are explained further down.

What these calculators cover

Most of this starts with the same question, usually asked in the middle of an ordinary week: how much is enough, and when do I get to stop? The Retirement Calculator takes the first half — the corpus your expenses need once a salary stops arriving, and the monthly investment that reaches it from wherever you are today. The SIP & Lumpsum Calculator runs that investment forwards, with a yearly step-up if your income has one, or solves it backwards from the number you actually want.

Then the plan turns around and starts paying you instead. The SWP & Tax Calculator asks how long a corpus survives being spent, and what capital-gains tax takes on the way out — then replays the same plan against every starting month in an index's real history, including the ones nobody would have chosen to retire into, because an average return and the order the years arrive in are not the same thing. The SIP + SWP Calculator puts both halves on one chart: pay in weekly to yearly, draw out on whichever schedule suits, and see whether the peak in the middle is tall enough to survive the fall after it. Each instalment is redeemed as its own lot, oldest first, at what that instalment actually paid — which is why a corpus built by a SIP is taxed quite differently from a lumpsum of the same size.

Two look further ahead. The FIRE Calculator takes one set of numbers and shows when work could become optional under five kinds of FIRE — Lean, Traditional, Fat, Coast and Barista — with Indian inflation, healthcare and capital-gains tax, year by year rather than by a rule of thumb. The Financial Goal Calculator prices any goal at what it will cost by its date and works out four ways to reach it: a monthly SIP, a one-off amount today, more time, or a smaller goal. Returns can step down as a date nears, tax on redeeming can be included, and several goals sit side by side in priority order — earliest date first unless reordered — with a monthly surplus shared out from the top.

Three more answer smaller, sharper questions. The Govt. Scheme Calculators cover fourteen Indian government schemes — PPF, SSY, NSC, KVP, EPF, NPS, APY, PM-SYM, PM-KMY, SCSS and the four post office deposits — each with its notified rate, term, limits and tax treatment stated beside the result, so you are not hunting through a circular to find out whether the maturity is taxable. The Loan Prepayment Calculator settles the argument that comes up every time a bonus lands: pay down the home loan, or invest the same money. And the Interest & CAGR Calculator works out what a quoted rate is really worth once you account for how often it compounds, and what two dates and two values imply as a growth rate. That is 9 live, all of them listed here, with 2 more still to come.

When one assumed return isn't enough

A calculator answers one question from a handful of inputs and hands you a figure. The 2 tools model something that only makes sense as a whole, and what comes back is a shape rather than a number. Benchmark Comparison builds a portfolio out of real mutual funds, rebalances it on a schedule you choose, and backtests it against a NIFTY total-return index over whatever window those funds have actually existed for — rolling returns, volatility, the worst drawdown and the year-by-year table underneath, so “it beat the index” has to hold over every window rather than the flattering one. Bucket Strategy takes a retirement corpus, splits it into safety, stability and growth, and runs the refills month by month, which turns a bad decade from a smoothed average into the specific quarter you would have been forced to sell in.

The terms these charts use

Six words do most of the work on the fund pages. None of them mean anything exotic, but two of them are routinely quoted to mean something they don't, so they are worth setting out plainly.

NAV

Net Asset Value is what one unit of a fund was worth on a given day — the fund's holdings divided by the units outstanding. A NAV line is the raw price history and nothing more: it knows what the fund did, but not when you bought, so a fund that doubled over a decade looks identical whether you held it throughout or arrived last Tuesday.

Rolling returns

A single “5-year return” is one window, usually the flattering one that ends today. A rolling return takes every possible start date instead, and asks what the annualised return (XIRR) would have been for someone who began on that date and held for the period you chose. Plotting one point per start date shows the whole distribution — the good runs, the bad ones, and how far apart they are — rather than the single figure a factsheet prints.

Rolling absolute value

The same windows as rolling returns, but shown as the rupee value the investment ended at rather than as a percentage. Useful when the question is what a corpus actually came to, which a percentage quietly hides — 12% on an early instalment and 12% on a late one are the same number and very different amounts of money.

Volatility

The annualised standard deviation of daily returns inside the rolling window: a measure of how rough the ride was, not of how it ended. Two funds can finish a five-year window at the same place with very different volatility, and the rougher one is the one you would have had more opportunities to abandon. It says nothing about whether the swings were downward — that is what drawdown is for.

SIP (Systematic Investment Plan)

A fixed amount invested at a fixed interval, so units are bought at whatever the price happens to be each time. The SIP view simulates exactly that across the rolling window, which is why its return can differ sharply from the NAV line above it: what you earn depends on the average price you paid across every instalment, not on the two endpoints.

Lumpsum

The whole amount invested once, at the start of the window. It is the cleaner comparison of the two — one purchase price, one holding period — and the one that most exposes the choice of start date, which is precisely why the rolling view exists.

Indian rules, and when they were last checked

The figures follow the rules that apply in India, written for them rather than translated into them. Equity gains use the current long-term and short-term rates with the annual exemption applied, units are sold oldest-first as a fund house redeems them, debt bought after April 2023 is taxed at slab with no indexation, and loan interest relief follows Section 24(b), old regime, self-occupied.

Notified figures — small-savings rates, the EPF rate, deduction limits — have no public feed, so they are updated by hand from the notification. The small-savings rates here are those notified for July–September 2026, and every such figure was last checked on 18 September 2026. Each scheme page repeats that date beside its own result, so you can see for yourself how fresh a number is instead of taking anyone's word for it.

Where the numbers come from

AMFI for mutual fund NAVs, NSE Indices for benchmark series, the Income Tax Department for capital-gains rules, National Savings Institute and India Post for small-savings notifications, EPFO and PFRDA for retirement schemes, and SEBI for scheme categorisation.

What these tools do not do

None of this is investment advice. Nothing here recommends or ranks a fund, a scheme or a course of action, and no figure is a quotation or a guarantee. Every projection rests on rates you select or this tool assumes — not rates anyone can promise — and each calculator states where its own model stops. Expense ratios, exit loads, penalties for early closure, TDS, surcharge and the rest of a tax return sit outside all of them. Nothing you type ever leaves your browser or is stored on a server or in a database. The FIRE, bucket strategy and goal calculators keep your plan in this browser so a refresh does not lose it, as the privacy policy sets out. The authority that publishes a rule has the final word on it, and acting on any of this is a matter for a registered adviser.