Reva Money · Calculators

Free financial calculators

16 free money calculators for India: SIP, Step-up SIP, Lumpsum, Goal SIP, SWP, EMI, Loan prepayment, FD, RD, PPF, EPF, NPS, Retirement, Inflation, CAGR, Direct vs regular. Move the sliders, see the result and the formula, and share it.

Invest

• SIP calculator: What a monthly SIP grows to. Work out what a monthly SIP grows to over any number of years, how much is your money and how much is growth, and what starting late costs.
• Step-up SIP calculator: A SIP that rises every year. See what a SIP grows to when you raise it by a fixed percentage every year, and how much more it gives than a flat SIP.
• Lumpsum calculator: What a one-time investment grows to. Work out what a one-time investment grows to at a yearly return, and how many years it takes to double.
• Goal SIP calculator: The SIP you need for a target. Find the monthly SIP you need to reach a target amount by a date, and how much less you need if you start earlier.

Save

• FD calculator: Fixed deposit maturity. Work out the maturity value and interest on a fixed deposit compounded every quarter, and what it is worth after inflation.
• RD calculator: Recurring deposit maturity. Work out what a monthly recurring deposit is worth at maturity with quarterly compounding, and the interest you earn.
• PPF calculator: PPF at 7.1%, tax-free. Work out your Public Provident Fund maturity value at the current 7.1% rate, for 15 years or with 5-year extensions. PPF maturity is tax-free.

Loans

• EMI calculator: EMI for home, car and personal loans. Work out the monthly EMI on a home, car or personal loan, the total interest you pay, and how much of each year’s payments is interest.
• Loan prepayment calculator: Interest saved by paying extra. See how much interest and how many years you save by paying a little extra on your home loan every year.

Retire

• SWP calculator: How long monthly withdrawals last. See how long a corpus lasts when you take out a fixed amount every month, and the most you can take without touching the principal.
• EPF calculator: Your EPF at retirement. Work out your EPF balance at retirement from your basic pay, yearly raises and the 8.25% rate EPFO declared for 2025-26.
• NPS calculator: NPS corpus and pension. Work out your NPS corpus at 60, the lump sum you can take, and the monthly pension from the annuity.
• Retirement calculator: How much you need to retire. Work out the corpus you need to retire on your current monthly spend, after inflation, and the monthly SIP that gets you there.

Check

• Inflation calculator: What things will cost later. See what something that costs a set amount today will cost in future years, and how much buying power your money loses.
• CAGR calculator: Yearly growth rate of an investment. Work out the yearly growth rate (CAGR) between a starting and an ending value, and compare it with an FD rate.
• Direct vs regular plan calculator: What commission costs you. See how much a regular plan’s higher expense ratio costs you over the years compared with the same fund’s direct plan.

Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.