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Calculators that show their working.

Pick a tool. Change the numbers and see the effect. Everything runs in your browser. Nothing you enter is stored or sent anywhere.

SIP calculatorMonthly investing
Step-up SIPRaise it every year
LumpsumOne-time amount
Goal plannerSIP for a target
FD maturityDeposit growth
Loan EMIMonthly instalment
FIRE calculatorEarly retirement
Term coverHow much to consider
Emergency fundMonths of safety

SIP calculator

What regular monthly investing could grow to at a rate you assume.

₹
%
yrs
You put in
Growth at the assumed rate
Value at the end
InvestedAssumed value
Payment at the start of each month, monthly compounding, before tax, charges and inflation. Returns vary and are not guaranteed. This is an illustration, not a forecast.

Step-up SIP calculator

Raise your monthly amount by a fixed percentage every year.

₹
%
%
yrs
You put in
Growth at the assumed rate
Without any step-up
Extra from stepping up
Value at the end
InvestedAssumed value
The monthly amount rises once every 12 months by the step-up you choose. Payment at the start of each month, monthly compounding, before tax, charges and inflation. Returns vary and are not guaranteed. This is an illustration, not a forecast.

Lumpsum calculator

What a one-time investment could become at a rate you assume.

₹
%
yrs
You put in
Growth at the assumed rate
Value at the end
Yearly compounding, before tax, charges and inflation. Returns vary and are not guaranteed.

Goal planner

Find the monthly SIP that could reach a target amount.

₹
%
yrs
Your target
Total you would put in
Growth at the assumed rate
Monthly SIP needed
Today’s money buys less later because of inflation, so consider a target that allows for it. Payment at the start of each month, monthly compounding, before tax, charges and inflation. Returns vary and are not guaranteed. This is an illustration, not a forecast.

FD maturity calculator

What a fixed deposit could grow to, with quarterly compounding.

₹
%
yrs
You deposit
Interest earned
Maturity amount
Quarterly compounding, as most banks apply to cumulative deposits. Interest is taxable, and your bank’s receipt is the final word.

Loan EMI calculator

The monthly instalment on a reducing-balance loan.

₹
%
yrs
Loan amount
Total interest
Total you repay
Monthly EMI
Standard reducing-balance formula. Your lender’s figure may differ because of processing fees, rounding, rate changes and insurance. Check the sanction letter.

FIRE calculator

How big a corpus you may need to retire early, and whether you are on track.

yrs
yrs
₹
%
₹
₹
%
%
Years to retirement
Yearly expenses then
You may have by then
Shortfall
Extra to invest
Corpus you may need

A simplified model. It assumes steady returns and inflation, which real markets do not deliver, and a withdrawal rate of 3 to 4 percent, which is a common rule of thumb and not a guarantee. Taxes and changing expenses are ignored. Treat the result as a conversation starter, not a plan.

Term insurance cover estimate

A simple, need-based way to think about how much life cover your family may need.

₹
₹
yrs
₹
₹
₹
₹
Total family need
Often-quoted rule: 10 times income
Often-quoted rule: 15 times income
Cover gap to consider
A deliberately simple estimate that ignores inflation and investment returns. The 10 to 15 times income figure is a commonly quoted rule of thumb, not an official rule. This does not recommend any insurer or policy; selling insurance needs an IRDAI licence, which TechPot does not hold.

Emergency fund target

A cushion for job loss or medical surprises.

₹
mo
Monthly essentials
Fund target
Many people aim for three to six months of essential expenses. Irregular income may call for more. Count rent, EMIs, food, bills, school fees and insurance premiums.

These are illustrations, not advice. Read the disclaimer.

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