Before you start a ₹500 SIP or sign up for an education loan, it helps to see the numbers first. These three free calculators let you test “what if” scenarios in a few seconds. Every result is an estimate based on the inputs you choose. None of them predicts what will actually happen.
📈 SIP Calculator
What it does: It estimates how a fixed monthly SIP could grow over a period you choose, using a rate of return that you enter as an assumption.
Who it’s for: Students who want to compare scenarios such as “₹1,000 a month for 5 years” or “₹1,500 a month SIP” before starting a small SIP.
- Read the guide: How to start a ₹500 SIP on Groww or Zerodha (student guide)
- Related: ₹5,000 SIP for 10, 15, 20 and 25 years
- Related: SIP for 5 years: what ₹1,000–₹3,000 a month could grow to
- Planning to raise your SIP each year? Step-up SIP calculator, explained
💸 SWP Calculator
What it does: It shows how a lump sum could last if you withdraw a fixed amount each month (a Systematic Withdrawal Plan), and what balance would be left at an assumed return.
Who it’s for: Anyone learning how SIPs and withdrawals work together, including students planning for family members.
- New to SWPs? Start with how an SWP works, step by step
- Read the guide: SWP vs FD for monthly income
- Related: SWP for ₹15,000 per month: corpus needed and risks
🏦 Loan EMI Calculator
What it does: It works out the monthly EMI and total interest on a loan (for example an education loan or a phone EMI). It also shows how prepaying changes the total cost.
Who it’s for: Students comparing education-loan offers or checking a “no-cost” or flat-rate EMI deal.
Open the Loan EMI Calculator →
- Read the guide: Flat vs reducing interest rate: the loan cost trap
- Related: Education loan prepayment: how to cut interest
How to use these calculators responsibly
- These are illustrations, not advice. Results come from the numbers you type in. This page is for education only and is not financial, tax or investment advice.
- Returns are not guaranteed. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. (This is SEBI’s standard warning under the SEBI (Mutual Funds) Regulations advertisement code.) Any return rate you enter is an assumption. Try a low, a medium and a high rate instead of relying on one number.
- Check the real loan terms. Your actual EMI depends on the lender’s rate, fees and terms. Under RBI’s Key Facts Statement (KFS) circular of 15 April 2024, regulated lenders must give you a KFS, including the Annual Percentage Rate (APR) and charges, before you sign a retail or MSME term loan. Fees not mentioned in the KFS cannot be charged.
- Before investing, check that an investment adviser is registered with SEBI (SEBI list of registered investment advisers) and that a mutual fund distributor has a valid ARN (AMFI distributor search).
- If you are under 18, a mutual fund investment is made in your name through a parent or legal guardian, and redemption money is paid only into your own verified bank account (which can be held jointly with your parent or guardian). See SEBI’s circular of 12 May 2023.