Plan with real numbers. These calculators are free and need no account — see how your money can grow, when you could retire, and what your goals really cost.
A SIP invests a fixed amount every month. Step-up increases it each year as your income grows. Returns are assumed constant for illustration — real markets vary year to year.
FIRE uses the 25x rule — a corpus of 25× your annual expenses, allowing a ~4% safe withdrawal. Assumes 6% inflation on expenses. An estimate to aim for, not a guarantee.
Shows what you must invest monthly to reach a goal, adjusting for inflation so the amount holds its real value. The lumpsum is what you'd need to invest today instead.
Based on a widely-used rule of thumb (net worth ≈ age × income ÷ 10 for a solid position). It is a rough guide, not a judgement — starting late is common and fixable. What matters most is the habit you build from today.
A term insurance estimate: enough to replace your income for your family, clear debts, minus what you already have. Term cover is cheap and one of the most important things to get right if anyone depends on you.
Works for any EMI-based loan — home, personal, vehicle, or business. Uses the standard reducing-balance formula; actual EMI may vary slightly by lender.
A one-time (lumpsum) investment compounding annually at a constant assumed rate. Real returns fluctuate year to year.
Assumes quarterly compounding, the standard for most Indian bank fixed deposits. Actual rates vary by bank and tenure.
Compound Annual Growth Rate — the smoothed yearly rate that takes an investment from its initial to final value. Useful for comparing investments held over different periods.
Estimated under India's new tax regime (post-Budget slabs), with the ₹75,000 standard deduction and Section 87A rebate applied. An estimate only — doesn't account for other deductions or the old regime.
"Add GST" grosses up a base price; "Remove GST" extracts the base price and GST from a GST-inclusive total. Common slabs are 5%, 12%, 18%, and 28%.
The sales volume at which revenue exactly covers fixed and variable costs. Below this, the business runs at a loss; above it, every extra unit adds profit.
A common CTC structure: ~40% basic, 50% of basic as HRA, 12% employer + employee PF, plus professional tax. Actual company structures vary. This is before income tax — use the Income Tax calculator above for that impact.
Three more tools live on Planning Tools: an old-vs-new tax regime comparison with a Section 80C tracker, a retirement withdrawal simulator that checks whether your corpus actually lasts, and a debt payoff planner comparing avalanche vs snowball across every loan you have.
Open Planning ToolsThese tools cover one goal at a time. Your M∞ blueprint plans your whole portfolio across every asset class — free.
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