A toolkit organised around the questions an Indian investor actually asks — not a directory of formulas. Conservative defaults, transparent constants, every number sourced and dated.
Most planning questions reduce to one of three: am I saving enough for a goal, will I retire on time, and what can I do about tax. Each of those has a worked answer below.
Compound a monthly amount at a steady return and see when the corpus crosses your target. Adjust the step-up to model raises.
Project a corpus against monthly spend, inflation and life expectancy, then solve for the SIP that closes the gap.
Identify unrealised losses worth booking against the current year's realised gains, before the financial year closes.
Before SIPs and bonds and tax-loss harvesting — compounding and inflation. Two calculators that explain the curve every other tool here is bending.
What a single deposit grows to over a long horizon — the math everything else uses.
Build a corpus on purpose, not by accident. These calculators take what you can save monthly and a return assumption and show where it lands. Includes the three statutory retirement instruments salaried Indians actually use.
What does a monthly SIP compound to at a chosen return and tenure?
What monthly SIP do you need to hit a target corpus by a target date?
Future value of a one-time investment compounded annually.
How large a corpus you need and what SIP gets you there.
What you must save monthly to fund higher education at tomorrow's cost.
Salaried retirement corpus — employee + employer share + EPS split.
Tax-free corpus at the sovereign rate over a 15-year lock-in.
Market-linked retirement with 60% lumpsum and 40% mandatory annuity.
Loans, drawdowns, transfers. These are the operational calculators — they tell you what an EMI really costs over its life, how long a corpus survives withdrawals, and whether to STP a windfall instead of lumpsumming it.
What a home, car, education or personal loan actually costs over its full tenure.
How long a corpus lasts under monthly withdrawals, inflated annually.
Glide a lumpsum from debt to equity over time — earn yield while averaging in.
The single most underused product on most research sites is side-by-side. These three exist so you never decide between two funds (or stocks, or ETFs) without seeing them on one page.
Up to 8 stocks, MFs, ETFs or indices on the same yardstick.
How much of two mutual funds' holdings are actually the same.
The 10-year cost of choosing the regular plan over the direct plan.
Filtering, stress-testing, and tax-aware analytics. Used when you already have a portfolio and want to interrogate it — including XIRR for honest returns and the net-worth tracker as the running scoreboard.
Filter 4,300+ Indian stocks across 30+ fundamental and technical metrics.
Where every Indian fund house is overweight, by sector — heatmap + Gini scoreboard.
What you save by realising losses against this year's gains.
How a 20-year SIP would have fared starting in any historical month.
Date-weighted IRR for irregular cashflows — the honest folio return.
Assets minus liabilities at fair value — the score, tracked quarterly.
Stagger fixed-income across maturities to manage interest-rate risk.
Stagger fixed deposits across tenures with current top-bank rates.
The default expected return on equity tools is 11% annualised — below the 25-year Nifty 500 TRI total return of about 13.4% so the answer the tool gives you is closer to a realistic draw on a long horizon than a back-test best case.
Inflation defaults to 6% (the RBI's flexible inflation target). Tax slabs follow the new regime; STCG on equity at 15%, LTCG above ₹1L at 10%. All defaults are overridable per-tool.
Every projection is point estimate, not a forecast. Read the full methodology for the constants used per tool and when they were last reviewed.
Every tool here is educational. None of the outputs constitute investment advice. MintByte is an AMFI-registered mutual fund distributor (ARN-314872); SEBI Registered Investment Adviser and Research Analyst registrations are in process and any advisory language is gated to those approvals. Not investment advice.