Calculators I built for the questions that kept coming up — from readers, and from my own spreadsheets.
All of them run entirely in your browser. Nothing you type is sent to a server, stored, or logged. Each one can also produce a shareable link, so you can send a plan to your spouse or your advisor without either of you re-entering the numbers.
Choose the right calculator
| If you want to… | Use this |
|---|---|
| Estimate the maturity value of a lump-sum deposit, including NRO vs NRE tax treatment | FD calculator |
| Estimate the maturity value of a monthly recurring deposit | RD calculator |
| Project a SIP or lump sum, withdrawals, goals, inflation and sequence risk | Investment calculator |
| Calculate a reducing-balance EMI and compare prepayment strategies | Loan calculator |
Before you use a result
- Enter the amount, rate and time period first. The headline result updates as you type.
- Open Assumptions & limitations before relying on a tax figure or a long-term projection.
- Compare the result with your bank, lender or fund statement. Rounding, fees, changing rates and personal tax circumstances can change the final amount.
- These tools are planning aids, not financial advice. They do not replace a qualified tax or investment adviser.
Every calculator has a full breakdown, a year-by-year schedule and a CSV download where a schedule is meaningful. The share link stores the plan in the URL; it does not upload your inputs.
Investment Calculator: SIPs, Withdrawals and Sequence Risk
Project a SIP or lump sum investment, add retirement withdrawals and one-off goals, and stress-test the result against a bad run of early years. Includes capital gains and NRI withholding at source.
Loan EMI Calculator: Prepayments and Amortisation
Work out the EMI on a home, car, personal or education loan, then see what prepaying actually buys you — in money and in years — and whether shortening the tenure or lowering the EMI leaves you better off.
FD Calculator: Maturity, Tax and NRO vs NRE Compared
Work out what a fixed deposit matures to after tax, compare reinvesting the interest against taking it as income, and see the same deposit side by side under an NRO and an NRE account.
RD Calculator: What a Monthly Recurring Deposit Matures To
Work out what a monthly recurring deposit matures to after tax, with the full schedule and the same NRO versus NRE comparison as the FD calculator.