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🇮🇳  India — INR · NSE/BSE · Indian Tax Laws
Investment · India

Investment Planner

Harness compounding through disciplined monthly SIPs — India's most powerful wealth-creation tool.

Total Corpus
0x
Amount Invested
Wealth Gained
0% gains
PARAMETERS
12.0%
Nifty 50 hist. avg ~13%
15yrs
Tax Benefit
Corpus Breakdown
Returns
0%
Invested
Earnings
MILESTONES

Year-by-Year Projection

YrInvestedValueGains%Progress

Start Early

Time in market beats timing the market. Every decade of delay roughly halves your final corpus.

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📐

Rule of 72

Divide 72 by return rate = doubling time. At 12%, money doubles every 6 years.

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📊

Cost Averaging

Regular investing buys more units when prices fall and fewer when high — automatically lowering average cost.

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Loan Planning

Loan & Mortgage Planner

Calculate monthly repayments, total interest burden and tax benefits on your home loan.

Monthly EMI
Total Interest
Total Payment
LOAN PARAMETERS
8.5%
SBI Home Loan ~8.25% (2026)
20yrs
Tax Benefit
Loading…
Payment Breakdown
Interest
0%
Principal
50%
Interest
50%
Min income recommended
EMI <40% of gross

Amortization Schedule

YrOpeningPrincipalInterestClosing
💰

Prepay Your Loan

Even one extra EMI/year can slash years off your loan and save lakhs in interest.

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📋

Tax Benefits

A home loan gives you dual tax deductions — principal under 80C and interest under 24(b).

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🏠

Buy vs Rent

Buying isn't always better than renting. The real calculation is more nuanced than most think.

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Financial Independence

🔥 FIRE Calculator

Find your FIRE Number — the corpus that funds your lifestyle forever.

🎯 FIRE Corpus
Years to FIRE
0 yrs
Safe Withdrawal/mo
FIRE INPUTS
30
10%
6%
FIRE Journey
Progress to FIRE0%
Your FIRE Type
🔥

The 4% Rule

The safest withdrawal rate that lets your corpus last 30+ years without running out.

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🎯

Types of FIRE

Lean FIRE, Fat FIRE, Barista FIRE — find the retirement style that fits your lifestyle.

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📉

Inflation Risk

The silent destroyer of retirement plans — how to inflation-proof your FIRE corpus.

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Returns Analysis

ROI & Compound Growth

Compare investment vehicles and understand compound growth.

LUMP SUM CALCULATOR
12%
20yrs
Final
Returns
Multiplier
0x
Growth Curve

Asset Class Comparison — 20 Years

Historical averages

📈

What is CAGR?

Compound Annual Growth Rate — the one number that tells you how an investment truly performed.

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🧮

CAGR vs XIRR

Why XIRR is the correct metric for SIPs — and why CAGR alone can mislead you.

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⚖️

Rebalancing

Why rebalancing your portfolio annually beats buy-and-hold in risk-adjusted returns.

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Protection Planning

Life Insurance Planner

Calculate recommended cover and explore local insurance products.

YOUR PROFILE
32
65
Recommended Cover
Coverage Gap
Est. Premium/yr
Term plan estimate

Popular Products

Tax Optimization

Tax Optimizer

Maximize deductions and compare tax regimes.

Financial Academy

Master Your Money

Structured learning for every stage of your wealth journey.

Beginner

Financial Foundation

Emergency fund, insurance, first investment — the non-negotiables.

6 modules · 45 min
Intermediate

Wealth Architect

Asset allocation, equity vs debt, tax-efficient investing.

8 modules · 75 min
Advanced

FIRE Mastermind

Retirement, withdrawal strategy, estate planning.

10 modules · 90 min

Key Financial Concepts

Ideal Milestone Timeline

Reference

Finance Glossary

Every financial term in plain language.

🔍
Side-by-Side Analysis

SIP vs Lump Sum

Same money, same return, same duration — which strategy wins?

COMPARISON INPUTS
12%
15 yrs
📈 SIP (Monthly)
💰 Lump Sum (Upfront)
YEAR-BY-YEAR GROWTH
THE VERDICT
📅

When to Choose SIP

SIPs shine in volatile markets and for salaried investors who earn monthly.

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💸

When Lump Sum Wins

After a market crash or when you have a windfall, lump sum can dramatically outperform.

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🔀

Hybrid Strategy

Lump sum into debt + STP to equity — how the pros deploy large amounts safely.

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Government Scheme · India

🏦 PPF Calculator

Public Provident Fund — sovereign-backed, EEE tax status at 7.1% p.a. Best guaranteed tax-free investment in India.

Maturity Value
Total Invested
Interest Earned
PPF INPUTS
15
Current PPF Rate
7.1% p.a.
Compounded annually · Govt-set quarterly
Tax Saved (80C/yr)
EEE — Exempt on invest, growth & withdrawal
Year-by-Year
YrInvestedInterestBalance
Employee Benefit · India

👷 EPF Calculator

Employee Provident Fund — 8.25% guaranteed with employer matching. Your most underappreciated wealth builder.

EPF Corpus at Retirement
Your Total Contribution
Employer Contribution
YOUR EMPLOYMENT DETAILS
28
8%
EPF Rate
8.25% p.a.
Employee
12% of basic
Employer EPF
3.67%
Retirement
Age 58
Pension Scheme · India

🎯 NPS Calculator

National Pension System — market-linked growth with an extra ₹50,000 tax deduction under 80CCD(1B), over and above 80C.

NPS Corpus
Lump Sum (60%)
Monthly Pension
NPS INPUTS
30
75%
Extra Tax Saving
80CCD(1B) — ₹50K extra over 80C
Fund Allocation
60% withdrawn tax-free at 60. 40% buys annuity (pension at 6% p.a.).
Advanced SIP · India

📊 Step-Up SIP Calculator

Increase your SIP by a fixed % every year as your income grows. A 10% step-up can nearly double your final corpus vs a flat SIP.

Step-Up Corpus
vs Flat SIP
Extra Wealth
STEP-UP INPUTS
10%
12%
20yrs
YEAR-BY-YEAR
YrMonthly SIPStep-Up ValueFlat SIP ValueAdvantage
Girl Child Scheme · India

👧 Sukanya Samriddhi Calculator

Best government scheme for daughters — 8.2% p.a., EEE tax. Invest 15 years, mature when she turns 21.

Maturity Amount
Total Invested
Interest Earned
ACCOUNT DETAILS
3
SSA Rate
8.2% p.a.
Year-by-Year
YrDepositInterestBalance
Viral Calculator

🏆 Crorepati Calculator

How much do you need to invest every month to become a Crorepati?

15yrs
12%
YOU NEED TO INVEST
per month to reach in 15 years
Quick targets:
Viral Tool

☕ Habit vs Investing

What if you invested the money you spend on daily habits? The numbers will shock you.

20yrs
12%
💸 SPENT ON HABIT
📈 IF INVESTED INSTEAD
Get in Touch

✉️ Write to Us

Bug reports, feature requests, data corrections, press enquiries or partnership opportunities.

SEND A MESSAGE
⏱️
Response Time
We reply within 24–48 hours on business days. Urgent data corrections prioritised same-day.
🐛
Found a Bug?
Use the form to report calculation errors, UI issues or wrong data. We fix critical issues within 24 hours.
⚠️
Disclaimer
MoneyVeda is for educational purposes only. Not SEBI-registered. Consult a qualified adviser before investing.
Employment Benefit

Gratuity Calculator

Calculate your gratuity payout under the Payment of Gratuity Act, 1972.

YOUR EMPLOYMENT DETAILS
₹50,000
10yrs
Minimum 5 years for eligibility
💰 GRATUITY AMOUNT
📋 TAX STATUS
FORMULA BREAKDOWN
📌 Key Rules
Goal-Based Planning

🏠 Buy a Home

Your complete home-buying plan — EMI eligibility, down payment SIP, and tax savings in one flow.

STEP 1
Income & EMI
STEP 2
Down Payment
STEP 3
Tax Savings
YOUR INCOME & PROPERTY
20yrs
MAX EMI (40% rule)
LOAN ELIGIBLE
💰
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My Investment Goal
0
in 0 years
Invested
0
Wealth Gained
0
📈 0x Returns
InvestedReturns
50% 50%
"The best time to start was yesterday.
The second best time is now."
Calculate yours at
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MONEYVEDA
The Real Cost of Habits
My Habit Will Cost Me
0
spent on this habit over 0 years
If Invested Instead
0
0x multiplier
"Small habits, compounded over time,
are the difference between rich and broke."
Calculate yours at
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🏦
MONEYVEDA
Loan Calculator
🌍
My Loan Plan
Monthly EMI
Total Interest
Loan Amount
Rate × Tenure
Total Payment
Calculate yours free at
moneyveda.org
🔗
🔥
MONEYVEDA
FIRE Calculator
🌍
My FIRE Number
needed to retire in years
Monthly Investment Needed
Calculate yours free at
moneyveda.org
🔗