Financial Planning Suite
Tools for Intelligent Investing.
Free online mutual fund calculators for Indian investors — from SIP returns and retirement planning to systematic withdrawals, lumpsum growth, and asset allocation.
Investment Returns
SIP Calculator
Calculate your SIP returns free online. Estimate future value, wealth gained, and total corpus from systematic mutual fund investments in India. Trusted by 1 lakh+ investors.
Investment Returns
Advanced SIP Calculator with Step-Up and Inflation
Calculate returns for Step-Up SIP with annual increment and inflation adjustment. See how increasing your SIP by 10% annually can nearly double your final corpus compared to regular SIP.
Retirement Planning
FIRE Calculator
Calculate your FIRE number and retirement corpus for early retirement in India. Estimate target savings, years to FIRE, and monthly investment needed based on your expenses and inflation.
Withdrawal Planning
SWP Calculator
Plan your monthly income from mutual funds with the SWP calculator. Estimate how long your corpus will last with regular withdrawals and see the remaining balance year-by-year.
Investment Returns
Lumpsum Calculator
Calculate future value of a one-time lumpsum investment in mutual funds. Estimate wealth gain from bonuses, inheritance, or property sale proceeds with India's CAGR-based lumpsum calculator.
Portfolio Management
Asset Allocation Tool
Determine your ideal asset allocation across equity, debt, gold, and cash based on your age, risk profile, and financial goals. Free asset allocation tool for Indian mutual fund investors.
Portfolio Management
Fund Overlap Checker
Check how much two mutual funds overlap in their underlying stock holdings — free online tool for Indian investors to avoid over-concentration across funds.
Tax Planning
LTCG Harvesting Calculator
Calculate how much long-term capital gains tax you can save by harvesting your ₹1.25 lakh annual equity LTCG exemption. Free tool for Indian mutual fund investors.
Portfolio Management
Direct Plan Savings Calculator
Find out how much commission your Regular plan mutual fund is costing you every year compared to its Direct plan equivalent. Free calculator for Indian investors.
Portfolio Management
Index vs Active Fund Checker
Check whether your actively managed equity mutual fund has actually beaten its benchmark index over 5 years, and see the ₹ cost if it hasn't. Free calculator for Indian investors.
Return Analysis
CAGR Calculator
Calculate CAGR (Compound Annual Growth Rate) free online. Find annualized returns, absolute returns, and investment multiplier for any mutual fund, stock, or portfolio in India.
Return Analysis
Absolute Return Calculator
Calculate absolute return on any investment in India. Find total percentage gain or loss, net profit/loss, and compare with inflation and FD returns instantly.
Return Analysis
Annualized Return Calculator
Calculate annualized return for any investment using exact start and end dates. More precise than basic CAGR — handles fractional years automatically. Free India mutual fund return calculator.
Return Analysis
XIRR Calculator
Calculate true XIRR for SIP portfolios with multiple cash flows. Enter investment dates and amounts — our Newton-Raphson XIRR engine computes your exact annualized return. Free India mutual fund tool.
Goal Planning
Goal SIP Calculator
Find the exact monthly SIP needed to reach your financial goal — child's education, home down payment, or retirement corpus. Free reverse SIP calculator India with sensitivity analysis.
Retirement Planning
Retirement Corpus Calculator
Calculate your retirement corpus for India. Based on your current age, retirement age, monthly expenses, and expected returns — find out how much to save and your monthly SIP needed.
Goal Planning
Inflation Calculator
Calculate how much an expense will cost in the future due to inflation in India. See how ₹1 lakh today compares to its value in 10, 20, or 30 years. Free online inflation impact calculator.
Investment Returns
SIP + Lumpsum Calculator
Calculate total wealth from combining a one-time lumpsum investment with a monthly SIP. See stacked growth chart, total corpus, and wealth gained. Free India mutual fund calculator.
Financial Planning
Emergency Fund Calculator
Calculate the right emergency fund size for your situation in India. Based on job stability, monthly expenses, and dependents — find your coverage gap and time to fully fund it.
Goal Planning
Goal Gap Calculator
Check if your current savings and monthly SIP will hit your financial goal on time. See your projected corpus vs target, the gap, and the additional monthly SIP needed. Free India financial planning tool.
Investment Returns
Wealth Growth Timeline
See exactly how many years it takes to reach ₹5 lakh, ₹10 lakh, ₹1 crore, ₹5 crore, and ₹10 crore milestones based on your current savings and monthly SIP. Free India wealth calculator.
Portfolio Management
Risk Profile Quiz
Take our 8-question risk profile quiz for Indian investors. Discover if you're conservative, moderate, aggressive, or very aggressive — and get a recommended asset allocation instantly.
Portfolio Management
Portfolio Health Calculator
Instantly score your mutual fund portfolio's health across 5 dimensions: diversification, risk balance, cost efficiency, liquidity, and concentration. Free India portfolio analysis tool.
Portfolio Management
Portfolio Diversification Calculator
Check if your mutual fund portfolio is properly diversified. Enter your fund types and allocation to get a diversification score, HHI, asset class breakdown, and actionable suggestions. Free India tool.
Fixed Income
FD Laddering Calculator
Plan a Fixed Deposit ladder to balance liquidity and interest rate risk. Auto-split your amount across staggered FDs, build a custom ladder, or simulate reinvestment over years — free calculator for Indian investors.
Tax Planning
Debt Fund vs FD Calculator
Compare the post-tax maturity value of a Fixed Deposit against a debt mutual fund for the same amount, tenure, and rate — see how annual FD tax drag differs from a debt fund's deferred taxation. Free calculator for Indian investors.
Tax Planning
NPS vs PPF vs ELSS Calculator
Compare projected post-tax maturity corpus across NPS, PPF, and ELSS for the same annual Section 80C investment amount and tenure — see how each instrument's tax treatment shapes your final corpus. Free calculator for Indian investors.
Integrate with your actual portfolio
Log in to FundSageAI to use these tools with your real data. Our "What-if Sandbox" inside the dashboard pre-fills your actual SIPs and fund performance for hyper-accurate planning.
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