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Reviewed by a SEBI Registered Investment Adviser

Financial calculators

The numbers behind your next money decision, worked out in seconds.

These free financial calculators answer what a SIP grows to, what an FD earns after tax, how much retirement needs and whether your mutual funds overlap. Built on standard formulas and checked by our Principal Officer.

Free to useNo sign-upFormulas shown on every page

Investing

Project growth and measure your real return

SIP Calculator

What a fixed monthly investment could grow to over time.

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Mutual Fund Calculator

Lumpsum, SIP and annual step-up together, with XIRR.

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XIRR Calculator

Your real annualised return across dated cash flows.

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Planning

Size the big goals, and the safety net under them

Retirement Calculator

The corpus you need and the monthly SIP to get there.

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SWP Calculator

How long a corpus lasts with regular withdrawals.

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Emergency Fund Calculator

How many months of expenses to keep aside, and why.

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Savings & Fixed Income

See what a fixed deposit earns after tax and inflation

FD Calculator

Maturity, post-tax and real returns, with bank rates.

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SBI FD Calculator

SBI FD rates, maturity, monthly interest and tax.

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Post Office FD Calculator

Post Office FD rates, maturity, yearly interest and tax.

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FD calculators by bank

SBI FD CalculatorPost Office FD CalculatorHDFC Bank FD CalculatorICICI Bank FD CalculatorAxis Bank FD CalculatorPNB FD CalculatorCanara Bank FD CalculatorKotak FD CalculatorUnion Bank FD CalculatorBank of India FD CalculatorCentral Bank of India FD CalculatorAU Bank FD Calculator

Portfolio

Check what your mutual funds actually hold

Mutual Fund Overlap Calculator

How much two funds hold in common, stock by stock.

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Common questions

Financial calculators: frequently asked questions

How these calculators work, and what their results do and do not tell you.

Still have questions? Contact us
Are the results from these calculators guaranteed?
No. Every result is a projection based on the inputs and assumptions you enter. Market-linked returns vary, and fixed deposit rates change, so treat the figures as illustrations.
Do these calculators recommend any fund or product?
No. They are educational tools built on standard formulas. They do not recommend investing in, redeeming or switching any product.
Which calculator should I start with?
Start with the question you need answered. To project an investment, use the SIP or mutual fund calculator. To plan a goal, use the retirement or emergency fund calculator. To check a deposit after tax, use the FD calculator.
How accurate are the formulas?
They use standard formulas for each calculation, and the results have been checked against hand-calculated values during review. Your actual outcome will still depend on real returns, rates and tax.
Who reviews these calculators?
They are built by WorthOS Technologies, a SEBI Registered Investment Adviser, and reviewed by our Principal Officer, Tanish Sadh.
Reviewed by Tanish Sadh, Principal OfficerWorthOS Technologies Private Limited · SEBI RIA INA000022695 · Last reviewed
SEBI disclaimerInvestment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, enlistment with BSE, and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

For grievance redressal, contact tanish@worthostech.com or visit our Grievance Redressal page. If unresolved, escalate through SEBI SCORES or SMART ODR.