Investment & Wealth Building

PPF Calculator The Public Provident Fund (PPF) is a Government of India-backed savings scheme with a 15-year lock-in, tax-free returns, and Section 80C deduction on contributions. Interest is credited annually on 31st March and is computed on the lowest balance between the 5th and last day of each month. This calculator models the PPF growth over 15 years (with optional extensions). Annual Contribution ₹ ₹500 ₹1.5 L Contribution Timing Beginning of YearEnd of Year PPF Interest Rate % 5% 10% Extension Blocks x5Y 0 5 Blocks Maturity Value : ₹0 Total Corpus ₹0 Tenure15 Years Total Investment₹0 Total Interest Earned₹0 Maturity Value₹0 Tax Benefit NoteEEE Year-wise PPF Growth Year Opening Balance Contribution Interest Earned Closing Balance

FD vs. Mutual Fund Comparison Calculator Fixed Deposits and Mutual Funds are the two most common investment choices for Indian retail investors. However, their taxation is fundamentally different: FD interest is taxed as income every year, while MF gains (equity) are taxed only at redemption. This calculator provides a post-tax, apples-to-apples comparison. Investment Amount ₹ ₹10 K ₹1 Cr Investment Duration Y 1 Y 30 Y FD Interest Rate % 2% 12% FD Compounding AnnualHalf-YearlyQuarterlyMonthly Mutual Fund Return % 1% 25% MF Type Equity MFDebt MF Income Tax Slab 0%5%10%20%30% Better Option : – Post-Tax Difference ₹0 FD Maturity Value₹0 FD Post-Tax Value₹0 MF Future Value₹0 MF Post-Tax Value₹0 Post-Tax Difference₹0 Better Option– FD Tax₹0 MF Tax₹0

SWP Calculator (Systematic Withdrawal Plan) A Systematic Withdrawal Plan (SWP) allows an investor to withdraw a fixed amount from a mutual fund corpus at regular intervals while the remaining corpus continues to earn returns. This is the mirror image of SIP. The calculator answers two questions: (A) Given a corpus and withdrawal amount, how long will the money last? (B) Given a corpus and desired duration, what is the maximum sustainable monthly withdrawal? Initial Corpus ₹ ₹1 L ₹10 Cr Monthly Withdrawal ₹ ₹1,000 ₹5 L Expected Annual Return % 1% 25% Mode Corpus After N YearsMax Sustainable Withdrawal Desired Duration Y 1 Y 50 Y Final Corpus : ₹0 Corpus Left ₹0 Months Corpus Lasts0 Years Corpus Lasts0 Total Withdrawn₹0 Final Corpus₹0 Max Sustainable Withdrawal₹0 Status– Year-wise Corpus Table Year Opening Corpus Annual Withdrawal Ending Corpus

Lumpsum Investment Calculator This calculator computes the future value of a one-time lump-sum investment at a given expected annual return over a specified period. It is applicable to mutual fund lumpsum investments, fixed deposits (for comparison), and any compounding investment instrument. Investment Amount ₹ ₹1,000 ₹10 Cr Expected Annual Return % 1% 30% Investment Duration Y 1 Y 40 Y Compounding Frequency AnnualHalf-YearlyQuarterlyMonthly Future Value : ₹0 Future Value ₹0 Amount Invested₹0 Wealth Gain₹0 Absolute Return0% CAGR0% Years to Double0 Years Year-wise Growth Year Portfolio Value

SIP Top-up Calculator A Step-up (Top-up) SIP allows investors to increase their monthly SIP amount every year — typically aligned with salary increments. Even a modest annual increase dramatically boosts the final corpus compared to a flat SIP. This calculator computes the future value of a step-up SIP and compares it against a flat SIP of the same starting amount. Initial Monthly SIP ₹ ₹100 ₹1 L Annual Step-up % 1% 50% Expected Annual Return % 1% 30% Investment Duration Y 1 Y 40 Y Step-up SIP Value : ₹0 Extra Wealth ₹0 Step-up SIP Future Value₹0 Flat SIP Future Value₹0 Extra Wealth from Step-up₹0 Total Invested Step-up₹0 Total Invested Flat SIP₹0 Estimated Returns₹0

SIP Calculator A Systematic Investment Plan (SIP) allows investors to invest a fixed amount in a mutual fund at regular intervals (typically monthly). This calculator computes the Future Value (FV) of a SIP given the monthly investment amount, expected annual return, and investment duration. It also shows the total amount invested and the wealth gain (returns earned). Monthly SIP Amount ₹ ₹500 ₹5 L Expected Annual Return % 1% 30% Investment Duration Y 1 Y 40 Y Maturity Value : ₹0 Total Wealth ₹0 Invested Amount₹0 Estimated Returns₹0 Maturity Value₹0 Total Months0