What these calculators actually compute
Each calculator on this page is built around a small set of pure math functions — monthly compounding for SIPs, annual compounding for lumpsums, inflation-adjusted present values for retirement corpus, and the standard back-solve for SIPs needed to hit a target. The numbers you see are deterministic from your inputs. There's no hidden multiplier and no optimistic baseline.
What the calculators do not do is model market volatility, sequence-of-returns risk, scheme expense ratios above the return assumption you choose, or tax implications beyond the basic LTCG/STCG framing for equity mutual funds. For a stress-tested plan that incorporates these, request a callback from any calculator — our advisor will run multiple inflation, return, and drawdown scenarios alongside you.
India-specific defaults, not US copy-paste math
Most online calculators originate from US sources. They use 4% inflation, 7-8% equity return assumptions, and 30-year retirement horizons. None of these are right for India. RBI's medium-term inflation target is 4% with a ±2% band — personal inflation typically runs at 6-7%, and education / healthcare CPI runs at 8-9%. AMFI's long-term data puts broad equity at 11-13% CAGR. PFRDA mandates a 40% annuity at NPS exit. SEBI sets the 12.5% LTCG framework above ₹1.25 L/year.
Every default in these calculators is chosen with these numbers in mind. The retirement calculator uses 6% inflation as the default, not 4%. The SIP calculator uses 12% return as the planning baseline, not 7%. The NPS calculator separates the 60/40 lump-sum/annuity split exactly as PFRDA mandates.
Why the lead-form sits next to every calculator
A calculator's most honest output is usually a number that's higher than the user expected — the SIP needed for a comfortable retirement is often ₹40-60K/month, the child-education corpus required at 15 years is often ₹50 lakh+. The natural next step is scheme selection and a plan to actually start.
We sit that scheme-matching step right next to the calculator output. We are AMFI-registered — ARN-tagged — and we earn trail commission from the AMC for the Regular plans you transact in. You pay us nothing. On every scheme page we disclose the expense-ratio gap between Direct and Regular so you can choose with full information.
How the calculators connect to each other
The SIP calculator computes the future value of a fixed monthly investment. The goal calculator inverts this — it takes a target amount and back-solves the SIP. The retirement calculator inflates today's expenses, computes a corpus, then uses the goal logic to back-solve the SIP. The child-education calculator does the same thing with a higher inflation rate. The SWP calculator works at the other end of the journey — pulling money out of the corpus you've built.
Use them in sequence: start with the retirement and child-education calculators to size the multi-decade goals; use the goal calculator for medium-term goals (house, car, wedding); use the ELSS and NPS calculators for tax-optimisation overlays; use the lumpsum calculator when you have a windfall to deploy; use the SWP calculator when you're approaching or in retirement.
The Indian context we never abstract away
Mutual fund investments in India have grown from ₹6 lakh crore AUM in 2010 to over ₹68 lakh crore in 2025 — a 12% CAGR for the industry itself. Monthly SIP inflows now exceed ₹25,000 crore, with the bulk coming from retail investors. B30 cities (beyond the top 30 by AUM) contribute roughly 18% of total AUM and are growing faster than the metros.
Within this broader story, North East India remains under-served on the ground — Guwahati, Imphal and Shillong have fewer registered advisors per capita than equivalent-sized cities in the rest of India. We're launching out of the North East precisely because the gap exists and the calculators / scheme catalogue / advisor model travels well to other under-served regions next.