Financial Calculators

Eight powerful tools — built for real Indian financial decisions. Drag the sliders, see results instantly.

IC WEALTH PRIVATE LIMITED | AMFI-registered Mutual Fund Distributor | ARN-370604
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Portfolio Calculator

Combine a monthly SIP with an initial lumpsum investment. See your wealth in nominal terms and real (inflation-adjusted) value.

Monthly SIP amount

Initial lumpsum

Expected return (p.a.)

Time period

Inflation rate (p.a.)

Invested Returns

Total invested —

Estimated returns —

Nominal value —

Real value (today's ₹) —

Purchasing power eroded by inflation —

START YOUR SIP

💡 What most investors miss: At 6% inflation, a corpus that looks like ₹1 Cr in 20 years is worth only ₹31L in today's purchasing power.

Kids Education Calculator

Education inflation in India runs at 10–15% p.a. depending on the course. See the real future cost and whether your current savings are enough.

Target course

Years until education starts

Current savings for education

Monthly SIP for education

Expected return on investments

You'll have Still needed

Course cost today —

Future cost at admission —

Your projected corpus —

⚠ Shortfall—

✓ Surplus—

Additional SIP needed—

PLAN EDUCATION FUND

💡 Reality check: MBBS fees at a private college today are ₹40L. In 15 years at 12% education inflation, that's over ₹2.2 Cr — more than most home loans.

Mortgage Affordability

Not "how much will the bank lend you" — but "how much house can you actually afford" after protecting your investments, EMIs, and emergency fund.

Monthly take-home income (₹)

Existing monthly EMIs (₹)

Monthly SIP / investment goal (₹)

Emergency fund needed (₹)

Current emergency fund (₹)

Down payment saved (₹)

Expected interest rate (%)

Loan tenure

Affordable Budget

Max safe EMI —

Max loan amount —

Affordable house price —

Suggested down payment (20%) —

Existing debt ratio —

GET HOMEBUYING ADVICE

💡 The rule banks don't tell you: Banks will approve you for way more than you should borrow. A ₹60K EMI on ₹2L income might pass the bank's test — but leaves no room for SIPs, emergencies, or life.

Mortgage Payment Calculator

Full picture: purchase price, down payment, EMI, and how interest-heavy your early years really are.

Purchase price (₹)

Down payment (%)

Interest rate (p.a.)

Loan tenure

Principal Interest

Down payment —

Loan amount —

Monthly EMI —

Total amount paid —

Total interest paid —

GET HOME LOAN ADVICE

💡 The ugly truth: In the first year of a 20-year home loan, ~81% of your EMI goes to interest. You barely own your home — the bank does.

Kill Your Mortgage 🔪

Increase your EMI by a small % every year (as your salary grows) and make a lumpsum payment on your birthday. Watch years vanish and lakhs saved.

Loan outstanding (₹)

Interest rate (p.a.)

Remaining tenure

Annual EMI step-up (%)

Birthday lumpsum (₹)

Accelerated interest Original interest

Original EMI —

Original total interest —

New payoff period —

Time saved —

Interest saved —

Accelerated total interest —

TALK TO AN ADVISOR

💡 The birthday rule: One ₹50,000 payment every year on your home loan — which most people spend on a vacation — can shave 4–6 years off a 20-year mortgage.

Income Tax: Old vs New Regime

FY 2025-26. See which regime saves you more — and what happens if you SIP the difference for 20 years.

Gross annual salary (₹)

HRA exemption claimed (₹)

Section 80C investments (₹)

Section 80D (health insurance, ₹)

Home loan interest (₹)

New regime: ₹75K std. deduction only. 87A rebate if taxable ≤ ₹12L.
Old regime: ₹50K std. deduction + 80C + 80D + HRA + home loan interest.

Tax paid Take-home

Taxable income (New)—

Taxable income (Old)—

Tax payable (New)—

Tax payable (Old)—

Tax saved—

Wealth if you SIP the savings (20 yrs)—

PLAN TAX SAVINGS

💡 The compounding angle: If the new regime saves you ₹1.2L/year in tax, investing that ₹10K/month in an equity SIP for 20 years turns it into ₹1 Cr.

The Value of Staying Invested

Missing just the top 10 best market days over 20 years can cut your returns nearly in half. See the real cost of trying to time the market.

Initial investment (₹)

Investment period (years)

Best market days missed

Based on NIFTY historical data. Missing 0 days = 12% CAGR. Missing 10 days = ~7% CAGR. Missing 30+ days = near 0%.

Missed value Staying invested

Value if you stayed invested —

Your value (after missing days) —

💸 Money left on the table —

STAY INVESTED WITH US

💡 The humbling stat: No fund manager or algorithm consistently predicts the top 10 best days. The only winning move is to not play the timing game.

Retirement Reality Check

Enter the income you want in retirement (in today's ₹). We'll tell you how much corpus you need, what you'll have, and the SIP required to close the gap.

Your current age

Retirement age

Life expectancy

Desired monthly income (today's ₹)

Current savings / investments (₹)

Pre-retirement return (%)

Post-retirement return (%)

Inflation (%)

Already saved Still needed

Income needed at retirement —

Corpus needed at retirement —

Your projected savings at retirement —

Gap to close —

Monthly SIP needed today —

PLAN MY RETIREMENT

💡 The number that shocks everyone: ₹1L/month in today's money requires ₹13–15 Cr corpus at retirement. Start early — the SIP to get there drops by 60% if you start at 30 vs 40.

These calculators are for illustration only and don't account for taxes, exit loads, or inflation. Past returns don't guarantee future performance. Please consult a SEBI-registered advisor before investing.