Investment Calculators — SIP, PPF, NPS & More
India is in the middle of a quiet investment revolution. Mutual fund SIP accounts have crossed 8 crore folios, with monthly inflows exceeding \u20B923,000 crore as of early 2026. What was once the domain of stock brokers and chartered accountants is now driven by salaried millennials investing \u20B95,000 to \u20B925,000 per month through apps on their phones. The power of compounding rewards those who start early and stay consistent. A \u20B910,000 monthly SIP at 12 percent annual returns grows to roughly \u20B91 crore in 20 years, but starting just 5 years late cuts that corpus nearly in half. Understanding the mechanics of SIP, step-up SIP, and lumpsum investing is no longer optional for anyone serious about building long-term wealth.
Beyond mutual funds, government-backed instruments remain the backbone of conservative Indian portfolios. PPF continues to offer an unmatched EEE (Exempt-Exempt-Exempt) tax status at 7.1 percent interest, making it the benchmark for risk-free, tax-free returns over its 15-year tenure. NPS Tier 1 gives retirement savers an exclusive \u20B950,000 deduction under Section 80CCD(1B), on top of the \u20B91.5 lakh 80C limit, while its ultra-low expense ratios of 0.01 to 0.09 percent put most mutual funds to shame. EPF, the default savings vehicle for salaried employees, offers a guaranteed 8.25 percent for FY 2025-26 with EEE status, and those who opt for VPF can channel additional salary into the same guaranteed return. Meanwhile, step-up SIP strategies that increase your monthly investment by 10 to 15 percent annually, aligned with salary increments, can boost your final corpus by over 50 percent compared to a flat SIP.
Our six investment calculators help you model every scenario with real numbers: flat SIP with expense ratio impact, step-up SIP with LTCG tax computation, lumpsum growth with inflation-adjusted returns, PPF maturity with year-by-year breakdowns, NPS retirement corpus with annuity projections, and EPF accumulation with VPF and salary growth. Each tool uses current 2026 rates and post-Budget tax rules so your projections reflect actual market and regulatory conditions rather than textbook assumptions.
Calculators
SIP
Calculate SIP returns with expense ratio impact. See how your monthly investment grows with compounding.
Step-Up SIP
SIP with annual step-up, inflation adjustment, expense ratio impact & LTCG tax calculation.
Lumpsum
Calculate lumpsum investment future value with LTCG tax (12.5%), inflation-adjusted real returns, and year-by-year growth chart.
PPF
Calculate PPF maturity value at 7.1% with EEE tax benefit. Year-by-year growth and partial withdrawal info.
NPS
Calculate NPS Tier 1 corpus at retirement, monthly pension from annuity, tax-free lumpsum (60%), and tax savings under 80CCD(1B).
EPF
Calculate EPF corpus at retirement with 8.25% interest (FY 2025-26), VPF top-up, salary growth, and EEE tax benefits.
Simple Interest
Calculate simple interest on any principal amount. See year-by-year interest accumulation with India's most intuitive SI calculator.
Compound Interest
Calculate compound interest with yearly, half-yearly, quarterly, or monthly compounding. See the power of compounding with year-by-year growth chart.
CAGR
Calculate CAGR on any investment. Find the true annualised return rate for mutual funds, stocks, real estate, or any asset class.
ELSS
Calculate ELSS SIP returns with Section 80C tax savings and LTCG tax impact.
FD Calculator
Calculate FD maturity amount with yearly, half-yearly, quarterly, or monthly compounding.
RD Calculator
Calculate recurring deposit maturity value with quarterly compounding at current bank rates.
SWP
Plan retirement withdrawals. See how long your mutual fund corpus lasts with regular monthly withdrawals.
Brokerage
Compare brokerage, STT, and other trading charges across Zerodha, Groww, Angel One, Upstox, and ICICI Direct.
Gold Calculator
Calculate returns on gold investment. Compare physical gold, digital gold, and Sovereign Gold Bond returns.
MF Returns
Calculate mutual fund returns using NAV values. See CAGR, absolute return, and expense ratio impact.
Guides
Step-Up SIP Guide
How step-up SIP works, life-stage strategies, expense ratio impact, and LTCG tax planning.
SIP Guide
How SIP works, expense ratio impact, SIP vs lumpsum, and fund selection for long-term wealth creation.
PPF Guide
PPF interest calculation, EEE tax benefit, partial withdrawal rules, and comparison with ELSS and NPS.
NPS Guide
Complete NPS guide covering Tier 1 contributions, 80CCD(1B) tax savings, annuity options, and retirement corpus calculation.
Lumpsum Guide
When to invest lumpsum vs SIP. LTCG tax impact, inflation-adjusted returns, and timing strategies for Indian markets.
EPF Guide
Complete EPF guide covering 8.25% interest, VPF top-up strategy, salary growth projection, and EEE tax benefits.
PPF Strategy Guide
PPF deposit timing, April 5 rule, extension strategy, partial withdrawal rules, and PPF vs other 80C instruments.
Expense Ratio Guide
A 1% expense ratio difference costs ₹12 lakh over 20 years. Direct vs regular plan comparison with switching guide.
Comparisons
ELSS vs PPF
Compare ELSS mutual funds vs PPF across returns, lock-in, tax treatment, risk, and liquidity.
SIP vs Lumpsum
Compare SIP vs lumpsum investing with valuation analysis, rupee cost averaging, and STP guidance.
Step-Up vs Regular SIP
Compare step-up SIP vs regular SIP with projections showing how annual increases compound over 10-20 years.
FD vs Mutual Fund
Compare fixed deposits vs mutual funds across returns, risk, tax efficiency, liquidity, and inflation protection.
Prepay vs SIP
Should you prepay your home loan or invest in SIP? NPV comparison of interest saved vs wealth created.
PPF vs NPS
Compare PPF vs NPS across returns, lock-in, tax treatment (EEE vs EET), withdrawal rules, and retirement corpus.
NPS vs Mutual Fund
Compare NPS vs mutual funds for retirement. Tax benefits, returns, lock-in, withdrawal flexibility, and annuity rules.
PPF vs FD
Compare PPF vs fixed deposit across returns, tax treatment (EEE vs taxable), lock-in, and liquidity for safe investments.
SIP vs RD
Compare SIP in mutual funds vs recurring deposit across returns, risk, tax efficiency, and withdrawal flexibility.
ELSS vs NPS
Compare ELSS mutual funds vs NPS for tax saving. 80C vs 80CCD(1B), lock-in periods, returns, and exit taxation.
SIP vs FD
Compare SIP mutual fund returns with Fixed Deposit returns. Data-backed analysis of risk, tax, liquidity, and long-term wealth creation.
Data
Frequently Asked Questions
SIP vs lumpsum — which is better?
SIP works better when markets are volatile or overvalued — rupee cost averaging reduces your average purchase price. Lumpsum wins in consistently rising markets. For most salaried investors, SIP is practical and disciplined. If you receive a windfall, consider STP (systematic transfer plan) to get benefits of both.
What is a step-up SIP and how does it help?
A step-up SIP increases your monthly investment by a fixed percentage (typically 10–15%) each year, aligned with salary growth. A ₹10,000 SIP with 10% annual step-up for 20 years at 12% returns creates ₹1.5 crore vs ₹99 lakh from a flat SIP — a 52% higher corpus from incremental increases.
PPF vs ELSS — which saves more tax?
Both qualify under Section 80C (₹1.5 lakh limit). PPF offers guaranteed 7.1% with EEE status (fully tax-free) and 15-year lock-in. ELSS offers market-linked returns (12–15% CAGR historically) with only 3-year lock-in but LTCG above ₹1.25 lakh is taxed at 12.5%. PPF for safety, ELSS for higher returns.
How is LTCG tax calculated on mutual funds?
For equity mutual funds held over 1 year, gains up to ₹1.25 lakh per year are tax-free. Gains above that are taxed at 12.5% (flat rate, no indexation since Budget 2024). For debt funds, all gains are taxed at your income slab rate regardless of holding period.
What is the NPS 80CCD(1B) deduction?
NPS Tier 1 contributions get an exclusive ₹50,000 deduction under 80CCD(1B) — over and above the ₹1.5 lakh 80C limit. This means you can save up to ₹2 lakh in deductions (₹1.5L under 80C + ₹50K under 80CCD(1B)). Available only under the old tax regime. Employer NPS contributions get 14% of salary deduction under both regimes.
EPF vs VPF — should I increase my contribution?
EPF’s mandatory 12% of basic goes into a guaranteed 8.25% (FY 2025-26) EEE instrument. VPF lets you voluntarily contribute up to 100% of basic at the same rate. VPF is excellent for risk-averse investors wanting higher guaranteed returns — but interest on combined EPF+VPF above ₹2.5 lakh per year is taxable.
What is a good SIP amount for ₹1 crore in 15 years?
At 12% expected returns, you need approximately ₹20,000/month flat SIP for 15 years to reach ₹1 crore. With a 10% annual step-up starting at ₹12,000/month, you reach ₹1 crore in the same period with lower initial commitment. Use the Step-Up SIP calculator for exact projections.
Are PPF returns really tax-free?
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status — contributions are deductible under 80C, interest earned is tax-free, and maturity proceeds are fully exempt. It’s one of the few instruments in India with complete tax exemption at all three stages, making it the benchmark for risk-free tax-free returns.
NPS vs mutual fund for retirement — which is better?
NPS offers extra ₹50,000 tax deduction (80CCD(1B)) and low expense ratios (0.01–0.09%) but has limited withdrawal flexibility and mandatory annuity (40%). Mutual funds offer full liquidity, wider fund choice, and no forced annuity but no extra tax benefit. A 70:30 MF:NPS split balances tax savings with flexibility.
What is the impact of expense ratio on SIP returns?
A 1% difference in expense ratio can erode 15–20% of your final corpus over 20 years. For a ₹10,000 monthly SIP over 20 years at 12% gross returns: 0.5% expense ratio gives ₹97 lakh, 1.5% gives ₹83 lakh — that’s ₹14 lakh lost to fees. Always compare direct vs regular plan expense ratios.