Statutory and AMFI-aligned wealth accumulation utilities engineered for Indian retail investors. Model systematic investment plans (SIP), annual step-up SIP strategies, quarterly compounding fixed deposits, Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), and retirement corpus targets with realistic inflation modeling.
Statutory formulas verified against current Government of India regulations.
Forecast wealth accumulation, compound growth, and total deposited capital for monthly or quarterly mutual fund SIPs.
Determine bank FD maturity returns with RBI quarterly compounding, senior citizen preferential rates (+0.5%), and Section 194A TDS alerts.
Simulate 15-year PPF maturity wealth at 7.1% p.a., honoring the official 5th-of-the-month deposit interest credit rule.
Calculate maturity returns and wealth gains on one-time mutual fund investments with compounding interest and inflation adjustment.
Discover how stepping up monthly SIP contributions annually by 5%-15% with your salary appraisal supercharges your wealth.
Calculate compound interest, effective annual rate (EAR), and regular deposits across daily, monthly, quarterly, and annual compounding cycles.
Determine bank and Post Office RD maturity payouts with official RBI quarterly compounding standard and Section 194A TDS threshold alerts.
Calculate Compound Annual Growth Rate (CAGR), absolute return %, and wealth gain across any holding duration including fractional years.
Calculate true money-weighted annualized returns (XIRR) on mutual fund SIPs, irregular stock trades, and sales using Newton-Raphson method.
Forecast how CPI inflation escalates future living costs and depletes money purchasing power over 5 to 40 years.
Calculate the retirement nest egg and monthly investment required in India based on life expectancy, inflation, and post-retirement returns.
Calculate weighted average share price across multiple purchases and plan target averaging down quantities to reach a goal price.
Simulate Systematic Withdrawal Plans from mutual funds. Track monthly pension payouts, capital depletion risk, and ending portfolio balance.
Forecast National Pension System maturity corpus, 60% tax-free lump sum, and guaranteed monthly pension annuity with Section 80CCD tax benefits.
Calculate maturity returns for Sukanya Samriddhi Yojana at 8.2% p.a. Track 15-year deposit tenure, 21-year maturity, and Section 80C tax savings.
Calculate monthly interest income from Post Office MIS (7.4%) and quarterly payouts from Senior Citizen Savings Scheme (8.2%) under official limits.
Calculate total trading charges, STT/CTT, exchange turnover, GST, SEBI fee, stamp duty, and break-even points for Delivery, Intraday, and F&O.
Calculate monthly, quarterly, and half-yearly APY contributions for ₹1,000–₹5,000 guaranteed pensions from age 60 under official PFRDA tables.
Solve for the exact monthly SIP required to achieve your target financial corpus (e.g. ₹50L, ₹1 Cr) with initial lumpsum and annual step-up.
Learn how a Step-Up (Top-Up) SIP works. Understand the compounding difference between flat vs step-up mutual fund investing, return assumptions, and horizon planning.
Plan your retirement in India. Learn how to calculate target retirement corpus, factor in inflation, model monthly SIP investments, and manage post-retirement safe withdrawals.
Comprehensive guide to Capital Gains Tax in India. Understand 12.5% LTCG, 20% STCG, ₹1.25L Section 112A exemption, real estate indexation rules, and Section 54 relief.
A Step-Up SIP automatically increases your monthly mutual fund contribution by a fixed percentage (e.g., 10%) each year to match annual salary increments. This compounding approach can more than double your final maturity corpus compared to a static SIP over 15 to 20 years.
Public Provident Fund (PPF) deposits offer government-backed interest (currently 7.1% p.a., compounded annually) and enjoy Exempt-Exempt-Exempt (EEE) status: investments qualify for Section 80C deductions, interest earned is 100% tax-free, and maturity proceeds are exempt from income tax.
Under Section 80CCD(1B), individual taxpayers can claim an exclusive additional deduction of up to ₹50,000 for NPS contributions, completely over and above the ₹1.5 Lakh limit under Section 80C.
Long-term capital gains (LTCG) on equity mutual funds held for over 12 months are taxed at 12.5% on annual gains exceeding ₹1.25 Lakhs. Short-term capital gains (STCG) on equity funds held for 12 months or less are taxed at 20%.