12 free calculators

Run the numbers honestly

Every calculator states the return it assumed, shows how much of the answer is your own money rather than growth, and says plainly what it leaves out. No account, no sign up, nothing saved.

All calculators

Grouped by what you are trying to do.

What a calculator can and cannot tell you

A calculator applies arithmetic to numbers you chose. It is not a forecast, and the answer is only as good as the return you assumed.

That assumption is the whole thing. A SIP calculator showing a large number at 15% and a modest one at 9% is not telling you anything about markets. It is telling you that you moved a slider. Real returns are not smooth, do not arrive at a constant rate, and are not guaranteed at any level.

What these are genuinely useful for is comparison. How much difference does starting five years earlier make? How much does raising the amount 10% a year add? What does holding for thirteen months instead of eleven do to your tax bill? Those questions have honest answers, and the answers are usually larger than people expect.

Two things most calculators quietly ignoreInflation and tax. A projected amount in twenty years buys considerably less than the same amount today, and selling triggers capital gains tax. The inflation and capital gains calculators here exist so you can see both, instead of being handed one large number and left to believe it.