Calculators
Four simple calculators to help you start a planning conversation. Every result is an illustrative estimate based on the assumptions you enter.
SIP calculator
See how a monthly investment could add up over time, at a return you choose.
- Estimated value
- ₹20,89,621 ₹20.9 lakh
- Amount invested
- ₹9,00,000 ₹9 lakh
- Estimated growth
- ₹11,89,621 ₹11.9 lakh
Show as a table
| Year | Invested | Estimated value |
|---|---|---|
| 1 | ₹60,000 | ₹63,351 |
| 2 | ₹1,20,000 | ₹1,33,337 |
| 3 | ₹1,80,000 | ₹2,10,650 |
| 4 | ₹2,40,000 | ₹2,96,059 |
| 5 | ₹3,00,000 | ₹3,90,412 |
| 6 | ₹3,60,000 | ₹4,94,645 |
| 7 | ₹4,20,000 | ₹6,09,792 |
| 8 | ₹4,80,000 | ₹7,36,996 |
| 9 | ₹5,40,000 | ₹8,77,521 |
| 10 | ₹6,00,000 | ₹10,32,760 |
| 11 | ₹6,60,000 | ₹12,04,255 |
| 12 | ₹7,20,000 | ₹13,93,708 |
| 13 | ₹7,80,000 | ₹16,02,998 |
| 14 | ₹8,40,000 | ₹18,34,205 |
| 15 | ₹9,00,000 | ₹20,89,621 |
How this is calculated
- Each monthly instalment is invested at the start of the month.
- Your assumed annual return is converted to a monthly rate (annual rate ÷ 12) and compounded monthly.
- Estimated value = monthly amount × [((1 + i)n − 1) ÷ i] × (1 + i), where i is the monthly rate and n the number of months.
- It does not include expense ratios, exit loads, taxes or changes in the amount you invest.
Illustrative estimate only. Results are based on the assumptions you enter. Actual returns, inflation and costs will differ, and nothing here is guaranteed. This is not financial advice. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Retirement planner
Estimate the savings you may need for retirement and a monthly amount to work towards it.
- Estimated savings needed at retirement
- ₹6,17,18,783 ₹6.17 crore
- Estimated monthly saving needed
- ₹25,547 On top of what you have already set aside.
- Your monthly expenses at retirement, after inflation
- ₹2,29,740 ₹2.3 lakh
- Estimated value of current savings at retirement
- ₹34,89,880 ₹34.9 lakh
How this is calculated
- Your monthly expenses are increased by your assumed inflation for each year until retirement.
- The savings needed at retirement are what it would take to pay those expenses, rising with inflation every year, from retirement until the age you chose, while the remaining money earns your assumed post-retirement return.
- Your existing savings are grown at your pre-retirement return until retirement and subtracted from that total.
- The monthly saving is the SIP amount that would close the remaining gap at your pre-retirement return.
- It does not include taxes, pensions, large one-off costs or changes in your lifestyle.
Illustrative estimate only. Results are based on the assumptions you enter. Actual returns, inflation and costs will differ, and nothing here is guaranteed. This is not financial advice. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Education goal planner
Estimate the future cost of your child's education and a monthly saving amount.
- Estimated future cost
- ₹37,77,255 ₹37.77 lakh
- Estimated monthly saving needed
- ₹13,551
- Total you would invest
- ₹19,51,359 ₹19.51 lakh
How this is calculated
- Future cost = today's cost × (1 + education inflation)years.
- The monthly saving is the SIP amount that would reach the future cost by then, at your assumed return, compounded monthly.
- It assumes you are starting from zero for this goal and does not include taxes or fund costs.
Illustrative estimate only. Results are based on the assumptions you enter. Actual returns, inflation and costs will differ, and nothing here is guaranteed. This is not financial advice. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Life cover estimator
Get an indicative idea of how much life cover your family may need.
- Indicative additional cover
- ₹1,05,00,000 ₹1.05 crore
- What your family may need
- ₹1,35,00,000 ₹1.35 croreIncome × years of support + loans
- What you already have
- ₹30,00,000 ₹30 lakhExisting cover + savings
How this is calculated
- This uses a simple income-replacement method: annual income × years of support, plus outstanding loans.
- Existing life cover and savings are subtracted to give an indicative amount of additional cover.
- It doesn't adjust for inflation, investment returns, your family's actual expenses or future goals like education, so treat it as a starting point for a conversation.
Illustrative estimate only. Results are based on the assumptions you enter. Actual returns, inflation and costs will differ, and nothing here is guaranteed. This is not financial advice.
Numbers are a starting point
Talk it through with Shradha. You'll get a plain-language explanation of what the estimates mean for your family, with no pressure.