Investment Calculators
Free SIP, FD, PPF, RD, compound interest, CAGR, and ROI calculators. Plan your investments and project returns with accurate, formula-based tools.
Investment Calculators - Project Your Wealth with Precision
Every investment decision benefits from clear numbers: How much will my SIP corpus be in 20 years? What is the effective yield on my FD? How does PPF compare to ELSS over 15 years? These calculators give exact projections so you can compare options, set realistic targets, and understand the compounding effect on your wealth.
Eight Investment Calculators
SIP Calculator - Projects the future value of a Systematic Investment Plan using the annuity formula FV = P × ((1+r)^n − 1) / r × (1+r). Shows invested amount, estimated returns, and total corpus.
Compound Interest Calculator - A = P(1 + r/n)^(nt) with selectable compounding frequency (annual, semi-annual, quarterly, monthly, daily). Demonstrates why monthly compounding beats annual compounding for the same stated rate.
FD Calculator - Fixed deposits with guaranteed returns. Supports both cumulative (reinvested) and non-cumulative (payout) FDs with quarterly compounding per RBI mandate.
RD Calculator - Recurring Deposit maturity value, total deposited, and total interest earned for monthly fixed-return savings schemes.
PPF Calculator - Public Provident Fund with EEE tax treatment and government-set rate (7.1% p.a. as of FY25). Models the annuity-due interest crediting structure over the 15-year lock-in, with optional 5-year extension blocks.
Simple Interest Calculator - SI = P × R × T / 100. Useful for short-term instruments and as a baseline comparison against compound growth.
CAGR Calculator - Compound Annual Growth Rate: (End Value / Begin Value)^(1/Years) − 1. The standard metric for comparing investment performance across different time periods.
ROI Calculator - Return on Investment = (Gain − Cost) / Cost × 100. Evaluates any investment where you know total gain and total cost, regardless of time period.
Which Calculator to Use When
| Scenario | Calculator |
|---|---|
| Monthly mutual fund SIP projection | SIP Calculator |
| Lump-sum investment growth | Compound Interest |
| Bank fixed deposit maturity | FD Calculator |
| Monthly deposit savings scheme | RD Calculator |
| Tax-saving long-term investment | PPF Calculator |
| Evaluating past investment performance | CAGR Calculator |
Frequently Asked Questions
What return rate should I assume for the SIP calculator?
For equity mutual funds, 10–12% annualised return is a commonly used long-term assumption based on historical Nifty 50 CAGR. Debt funds typically use 6–8%. The SIP Calculator lets you try multiple scenarios.
Does the PPF calculator account for the 15-year lock-in?
Yes. The PPF Calculator enforces the 15-year minimum tenure, models the government-set interest rate (7.1% p.a. as of FY25), and supports the 5-year extension blocks available after maturity.
What is the difference between CAGR and absolute ROI?
Absolute ROI ignores time - a 50% return over 10 years and over 2 years look the same. CAGR normalises for time, giving the equivalent annual growth rate. Always use CAGR when comparing investments with different durations.
How does compounding frequency affect FD returns?
More frequent compounding increases effective yield. A 7% FD compounded quarterly yields an effective annual rate of 7.19%. Indian bank FDs are compounded quarterly per RBI guidelines - the FD Calculator handles this automatically.