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Mutual Fund Calculators - Play with Numbers

12 professional calculators — SIP Overview · SIP with Step-up · SWP · Lumpsum · Goal Planner · ELSS Tax Saver · Inflation Adjusted Returns · Retirement Readiness · Financial Planning with SIP & SWP · Loan EMI · SIP XIRR · NRI Repatriation

🚀 SIP Overview
📈 SIP
💸 SWP
💰 Lumpsum
🎯 Goal
🛡️ ELSS
📊 Inflation
🏖️ Retirement
🔄 SIP + SWP
🏦 Loan EMI
📊 XIRR
🌎 NRI Repatriation

SIP Overview

A quick snapshot of how a monthly SIP could grow at the key milestones — 3, 5, 10, 12, 15 and 20 years. Enter three numbers and see the whole picture at a glance. For any other tenure or a year-by-year breakup, use the detailed SIP tab.
Monthly SIP Amount (₹)₹5,000
₹500₹5L
Expected Return / CAGR (%)12.0%
Default 12%market-linked · not guaranteed
Your Horizon (optional)10Y 0M
Years
Months
⭐ Highlights your target row in the table
📈 What your SIP could become
Estimated value of your monthly SIP at each milestone (monthly compounding).
HorizonInvestedEst. ValueWealth Gain
💡 Estimates use a constant annual return compounded monthly. Actual mutual fund returns vary year to year and are not guaranteed — investments are subject to market risk. Want a year-by-year breakup, step-up SIP or a custom tenure? Open the SIP tab.

SIP Calculator

Calculate the future value of your Systematic Investment Plan with optional annual step-up. Watch small monthly amounts compound into significant wealth.
Monthly SIP Amount (₹)₹5,000
₹500₹2L
Expected Annual Return (%)12%
1%30%
Investment Period (Years)10 Yrs
1 Yr40 Yrs
Annual Step-up (%)0%
0%25%
Total Corpus at Maturity
₹0
Total Invested
₹0
Wealth Gain
₹0
Absolute Returns
0%
XIRR (Approx)
0%
Invested
₹0
Gain
₹0
YearInvestedCorpusGain

SWP Calculator

Systematic Withdrawal Plan — calculate monthly withdrawal from your corpus while it continues to grow. Ideal for retirement income planning.
Initial Investment (₹)₹10,00,000
₹1L₹5Cr
Monthly Withdrawal (₹)₹8,000
₹1K₹5L
Withdrawal Escalation (%/yr)0%
0% (flat)15%
Expected Annual Return (%)10%
1%20%
Withdrawal Period (Years)15 Yrs
1 Yr35 Yrs
Remaining Corpus at End
₹0
Total Withdrawn
₹0
Corpus Sustainable?
—
Max Safe Monthly Withdrawal
₹0
Corpus Exhausts In
—
YearOpening BalanceMonthly Wdl.WithdrawnClosing Balance

Lumpsum Calculator

Calculate returns on a one-time lumpsum investment. Compare growth across conservative, moderate, and aggressive return scenarios.
Investment Amount (₹)₹1,00,000
₹1K₹1Cr
Retirement Expense (% of today's)70%
30% (frugal)100% (same as today)
Expected Annual Return (%)14%
1%30%
Investment Period (Years)10 Yrs
1 Yr40 Yrs
Maturity Value
₹0
Capital Invested
₹0
Total Gain
₹0
Absolute Returns
0%
Conservative (8%)
₹0
Your Rate
₹0
Aggressive (18%)
₹0
YearValueGainCAGR %

Goal-based Planner

Set your target amount — retirement, education, home, wedding — and find out exactly how much SIP or lumpsum you need to invest today.
Target Amount (₹)₹50,00,000
₹1L₹10Cr
Time to Goal (Years)15 Yrs
1 Yr40 Yrs
Expected Annual Return (%)13%
1%25%
Existing Savings (₹)₹0
₹0₹50L
Recommended Monthly SIP
₹0
Required Lumpsum Today
₹0
Target Amount
₹0
Savings Gap
₹0
Existing Savings Future Value
₹0
Recommended Asset Allocation

ELSS Tax Saver

Section 80C tax deduction up to ₹1.5L annually. Shortest lock-in (3 years) among all 80C instruments with equity-level returns potential.
Annual ELSS Investment (₹)₹1,50,000
₹500₹1.5L (80C Limit)
Your Tax Slab (%)30%
0%30%
Expected Return (%)15%
8%25%
Investment Period (Years)5 Yrs
3 Yrs (min)20 Yrs
Maturity Value
₹0
Tax Saved (80C)
₹0
Total Invested
₹0
Net Cost (After Tax Benefit)
₹0
LTCG Tax (10% above ₹1L)
₹0
Net Gain (Post Tax)
₹0
💡 ELSS Advantage: Shortest lock-in (3 years) among all Section 80C instruments. Equity-level returns with tax savings make ELSS superior to PPF, NSC, or tax-saver FDs on post-tax return basis for investors in higher tax brackets.

Inflation Adjusted Returns

Calculate real returns after adjusting for inflation. Understand the true purchasing power of your investment — because nominal returns can be misleading.
Investment Amount (₹)₹1,00,000
₹1K₹1Cr
Nominal Annual Return (%)14%
1%30%
Inflation Rate (%)6%
2%15%
Investment Period (Years)10 Yrs
1 Yr40 Yrs
Nominal Value (Future)
₹0
Real Value (Today's Purchasing Power)
₹0
Nominal CAGR
0%
Real CAGR
0%
Inflation Erosion
₹0
Today's ₹1L will cost
₹0
YearNominal ValueReal ValueErosion

Wealth Assessment

A fuller picture: your income, commitments and existing investments — projected to retirement, then tested against your expected post-retirement withdrawals. It shows how long your money could last. This models only what you enter here; your complete readiness may include other assets and goals.
Current Monthly Earning (₹)1000000
₹10K₹1Cr
Current EMIs (₹/month)0
₹0₹50L
Existing SIPs (₹/month)0
₹0₹50L
Existing SIP tenure remaining (yrs)0
0 Yr40 Yrs
Health Insurance premium (₹/year)0
₹0₹20L
Household Expenses (₹/month)600000
₹1K₹1Cr
Total Expenses incl. SIPs (auto)₹0
₹0
Current Total Savings (auto)₹0
₹0
Years to Retirement10
1 Yr50 Yrs
Max SIP guideline (auto = 50% of Savings)₹0
₹0
Expected Return / CAGR (%)12
1%30%
Inflation Rate (%)8
1%15%
Post-Retirement Return (%)8
1%20%
Post-Retirement Monthly Expenses (today's ₹)300000
₹1K₹1Cr
Post-Retirement Insurance (₹/year)0
₹0₹20L
Growth of Your New SIP (Max guideline)
₹0
Growth of Your Existing SIPs
₹0
Total Corpus at Retirement
₹0
Monthly Withdrawal at Retirement (Total)
₹0
Your Corpus Will Last
—

Financial Planning with SIP & SWP

Simulate your full journey — invest via SIP for your working years, then switch to a monthly withdrawal (SWP) in retirement — and see honestly whether your plan actually survives, or runs out. Every assumption below is yours to set; nothing is picked for you.
Phase 1 — Accumulation (SIP)
Monthly SIP Amount (₹)₹15,000
₹500₹10L
Expected Return — Accumulation (%)12%
1%30%
Years to Retirement25 Yrs
1 Yr50 Yrs
Phase 2 — Your Current Picture
Current Monthly Income (₹)₹1,00,000
₹0₹1Cr
Income Growth Rate (%/yr)8%
0%25%
Current Monthly Expenses incl. EMIs (₹)₹40,000
₹0₹1Cr
Of Which, Monthly EMI (₹)₹15,000
₹0Assumed to end by retirement
Inflation Rate (%)6%
1%15%
Phase 3 — Decumulation (SWP)
Starting Monthly Withdrawal (₹)₹50,000
₹0₹1Cr
Expected Return — Post-Retirement (%)8%
0%30%
Withdrawal Escalation (%/yr)6%
0% (flat)15%
Annual One-Time Expense — e.g. Health Insurance (₹)₹1,00,000
₹0₹1Cr
One-Time Expense Escalation (%/yr)8%
0%20% (medical inflation often higher)
Corpus at Retirement (End of Accumulation)
₹0
Future Monthly Income (at Retirement)
₹0
Future Living Expense, EMI-Free
₹0
SWP Outcome
—
Enter your numbers above to see the full simulation.
Corpus Trajectory During Retirement (every 5 years)

Loan EMI Calculator

Calculate your monthly EMI from loan amount, interest rate and tenure — or enter an EMI amount and find out the exact years & months needed to repay. View the full amortization schedule and print it to PDF.
Loan Amount (₹)₹25,00,000
₹50K₹5 Cr
Rate of Interest (% p.a.)8.5%
0%20%
Duration / Period of Loan20Y 0M
Yearsmax 40
Monthsmax 11
Monthly EMI
₹0
Principal
₹0
Total Interest
₹0
Total Payment
₹0
Tenure
—
Principal
₹0
Interest
₹0
Amortization Schedule
MonthOpeningEMIPrincipalInterestClosing

SIP XIRR Calculator

XIRR is the true annualised return of a SIP — because every instalment is invested on a different date, a simple CAGR or absolute-gain figure understates or overstates the real return. Enter your SIP and its current value to find the actual XIRR, or use Custom Cash Flows for lumpsums, step-ups and redemptions. 📖 New to XIRR? Read the guide →
SIP Amount (per instalment)₹10,000
FrequencyMonthly
SIP Start Date
Number of Instalments60
1e.g. 60 = 5 yrs monthly
Current / Maturity Value₹8,50,000
Valuation Date (value as on)
XIRR · Annualised Return
0%
Total Invested
₹0
Current Value
₹0
Absolute Gain
₹0
Absolute Return
0%
Enter your SIP details to see the annualised XIRR.
Cash Flow Schedule
DateTypeAmountCumulative Invested

NRI Repatriation Estimator

Estimate what a US-based NRI investor could receive back in USD after investing via an NRO account in India — growing the corpus, paying India capital gains tax, and repatriating funds home, accounting for the India-US DTAA foreign tax credit.
⚠️ Educational estimate only — not tax advice. Real outcomes depend on the tax rules in effect on the actual redemption date (India's capital gains rates have changed before and will again), your personal US tax situation (this ignores NIIT and state tax), and the USD/INR rate on that future date, which cannot be predicted. Please consult a qualified CA for actual filing — Ace Financial Services is an AMFI-registered Mutual Fund Distributor, not a tax advisor.
Initial Investment (US $)$100,000
$10K$1M
Expected Annual Return / CAGR (%)12%
1%30%
Investment Period (Years)10 Yrs
1 Yr30 Yrs
USD/INR Exchange Rate (at entry, today)₹95.5
Update to today's actual rateRate when you invest
USD/INR Exchange Rate (at exit, in N years)₹95.5
Defaults to same as entryINR has historically weakened over long periods — try a higher number to see the impact
India LTCG Tax Rate (%)12.5%
Current rate as of 2026Editable — this changes with Budgets
India LTCG Annual Exemption (₹)₹1,25,000
₹0₹5L
US Long-Term Capital Gains Tax Rate (%)15%
0/15/20% federal bracketsSimplified — ignores NIIT/state tax
Final Amount You Receive (USD)
$0
Corpus After Growth (before tax)
₹0
India LTCG Tax Paid
₹0
Additional US Tax (after DTAA credit)
$0
Total Tax (India + US, % of gain)
0%
Effective Post-Tax CAGR
0%
Currency Impact vs. No Rate Change
$0
—
StepAmount
Repatriation from an NRO account is capped at USD 1 million per financial year and requires a CA-certified Form 15CA/15CB (renamed Form 145/146 from April 2026). For amounts within this limit — as in the default scenario above — this isn't a binding constraint, but is worth knowing for larger corpora.
Frequently Asked Questions
Common questions about SIP, retirement planning, and inflation
How much SIP do I need to retire comfortably considering inflation?
Use the Retirement Readiness calculator on this page: enter your monthly income, expenses (including EMIs), years to retirement, and inflation rate. It calculates the future cost of your current lifestyle, the retirement corpus you'll need, and the exact monthly SIP required to reach it — compared against what you can actually afford to save today.
What is a good SIP amount for a monthly income of ₹1 lakh?
It depends on your expenses and retirement timeline. For example, someone earning ₹1,00,000/month with ₹40,000/month in expenses has a ₹60,000 monthly surplus. To retire in 25 years accounting for 6% inflation, roughly ₹27,000/month invested via SIP at an assumed 12% return can build the required retirement corpus, leaving room for other financial goals.
How does inflation affect my SIP and retirement planning?
Inflation increases the future cost of your current expenses every year. A monthly expense of ₹40,000 today can grow to over ₹1,70,000/month in 25 years at 6% inflation. The Inflation Adjusted Returns and Retirement Readiness calculators on this page show both the nominal and real (inflation-adjusted) value of your investments so you can plan accurately.
Are these calculators free, and do I need to log in?
All 12 calculators are completely free and require no login or sign-up. You can use the SIP Overview, SIP, SWP, Lumpsum, Goal Planner, ELSS Tax Saver, Inflation Adjusted, Retirement Readiness, combined SIP & SWP, Loan EMI, SIP XIRR, and NRI Repatriation Estimator tools as many times as you like, directly in your browser.
How accurate are the calculator results?
The results are estimates based on the return rate and assumptions you enter, using standard compounding formulas. Actual mutual fund returns vary year to year and are not guaranteed — mutual fund investments are subject to market risk. Treat the figures as planning guides, and use conservative return assumptions for important goals.
What return rate should I assume for equity mutual funds?
Over long horizons, diversified equity mutual funds in India have historically delivered roughly 10–12% annualised, though past performance never guarantees future returns. For short horizons or essential goals, it is safer to plan with a lower, more conservative rate. When in doubt, run the calculator at a few different rates to see the range of outcomes.
What is the difference between SIP and SWP?
A SIP (Systematic Investment Plan) invests a fixed amount every month to build wealth during your working years — the accumulation phase. An SWP (Systematic Withdrawal Plan) does the reverse: it withdraws a fixed amount every month from your corpus for regular income, typically in retirement — the decumulation phase. The combined SIP & SWP tool on this page simulates both phases end to end.
KV
Talk to our Expert — Kaustubh Valimbe
📞 +91 937 333 4215  ·  ✉️ kaustubh.valimbe@acefinservices.com
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