Free Financial Calculators
Plan your financial future with Niyyam™'s powerful wealth calculators. Choose a calculator below to get started.
sip
SIP Calculator
Estimate the future value of your monthly mutual fund SIP investments using the power of compounding.
Step-Up SIP Calculator
See how increasing your SIP annually in line with income growth can dramatically boost your long-term wealth.
Crorepati SIP Calculator
Find out exactly how much you need to invest every month to become a crorepati through SIP.
Goal-Based SIP Calculator
Calculate the monthly SIP needed to achieve any financial goal — home, education, vacation, or retirement.
SIP Delay Cost Calculator
See how much wealth you lose by delaying your SIP — even a 1-year delay can cost lakhs.
wealth
Lumpsum Calculator
Calculate how a one-time mutual fund investment grows through the power of compounding over time.
STP Calculator
Gradually move a lumpsum from a debt fund to equity — reduce market timing risk while earning in both.
Retirement Calculator
Find out exactly how much corpus you need to retire comfortably — accounting for inflation and life expectancy.
Child Education Calculator
Plan how much you need to invest today to fund your child's future education, accounting for education inflation.
Future Value Calculator
Find out how much your investment will grow to in the future based on compounding returns.
Financial Freedom Calculator
Discover when you can achieve financial independence — when your investments cover all your living expenses.
ELSS Calculator
Calculate your tax savings and wealth creation potential from ELSS mutual fund investments under Section 80C.
SIP vs Lumpsum Calculator
Compare SIP and lumpsum investment strategies — see which builds more wealth over your time horizon.
FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number and how long it will take to achieve it.
Compound Interest Calculator
Calculate how a one-time investment grows with compound interest across different compounding frequencies.
Wealth Growth Calculator
Project how your existing wealth + regular monthly savings will grow over time through compounding.
Child Marriage Planning Calculator
Plan and build a dedicated corpus for your child's wedding — accounting for future costs and inflation.
Corpus Calculator
Calculate the wealth corpus required to meet any financial goal — retirement, education, or financial freedom — accounting for inflation and returns.
RD Calculator
Calculate the maturity value and interest earned on your Recurring Deposit — plan monthly savings goals.
FD Calculator
Find out the exact maturity value and interest earned on a Fixed Deposit — compare tenures and rates.
Sukanya Samriddhi Yojana Calculator
Calculate the maturity corpus for your daughter under Sukanya Samriddhi Yojana — one of the best tax-free government schemes.
NPS Calculator
Project your NPS retirement corpus, lump sum withdrawal, and monthly pension based on your monthly contributions.
EPF Calculator
Project your Employee Provident Fund corpus at retirement — accounting for salary growth and compounding interest.
PPF Calculator
Calculate your PPF maturity amount and interest — the best tax-free long-term savings instrument backed by the Government of India.
Rent vs Buy Calculator
Compare the long-term financial impact of buying a home vs renting — make a data-driven housing decision.
Marriage Planning Calculator
Estimate the future cost of your child's or your own wedding and calculate the monthly SIP needed to fund it.
Education Inflation Calculator
Calculate the future cost of your child's education accounting for education inflation — and how much to save today.
Present Value Calculator
Find how much money you need to invest today as a lump sum to reach any future financial goal.
income
SWP Calculator
Plan your retirement income — see how long your corpus lasts with regular monthly withdrawals.
Safe Withdrawal Rate Calculator
Find the optimal withdrawal rate from your corpus that ensures your money lasts throughout retirement.
Passive Income Calculator
Find out how much wealth you need to generate your desired monthly passive income — and how to build that corpus through SIP.
analysis
XIRR Calculator
Calculate the actual annualized return on your mutual fund investments accounting for irregular cash flows.
CAGR Calculator
Find the Compound Annual Growth Rate of any investment between a start and end value.
Emergency Fund Calculator
Calculate how much emergency savings you need based on your expenses, lifestyle and employment type.
Inflation Calculator
See how inflation erodes purchasing power and how much more you'll need to maintain today's lifestyle.
Net Worth Calculator
Get a clear picture of your financial health — calculate your total assets minus all liabilities.
Asset Allocation Calculator
Get a personalised equity-debt-gold-cash portfolio mix based on your age and risk profile.
Expense Ratio Calculator
See how your fund's expense ratio silently erodes your long-term returns — and how to minimise it.
Direct vs Regular Fund Calculator
Quantify how much more you earn by investing in direct mutual fund plans vs regular plans over time.
Mutual Fund Comparison
Compare the long-term wealth creation potential of two mutual funds side by side.
Mutual Fund Tax Calculator
Calculate your exact tax liability on mutual fund gains — equity STCG/LTCG and debt fund taxation.
Human Life Value Calculator
Estimate the financial value of your life — calculate how much life insurance your family needs based on your future earning potential.
Life Insurance Calculator
Calculate exactly how much life insurance cover you need — based on income, loans, future goals, and existing assets.
Rule of 72 Calculator
Quickly estimate how many years it takes for your money to double at any given rate of return.
Real Rate of Return Calculator
Find your true inflation-adjusted investment return — see how much purchasing power you are actually gaining.
Take-Home Salary Calculator
Calculate your exact monthly in-hand salary after PF, income tax, and professional tax deductions.
Capital Gains Tax Calculator
Estimate LTCG and STCG tax on equity, debt, and real estate investments — plan your redemptions wisely.
HRA Calculator
Calculate your eligible HRA tax exemption and reduce your taxable income if you live in rented accommodation.
Income Tax Calculator
Compare your tax liability under the Old and New Tax Regimes — instantly find which regime saves you more money.
Gratuity Calculator
Calculate your gratuity entitlement based on last drawn salary and years of service.
Debt-to-Income Ratio Calculator
Check what percentage of your income goes toward debt repayments — and how much borrowing capacity you still have.
Loan Eligibility Calculator
Estimate the maximum loan you may qualify for based on your income, existing EMIs, and repayment capacity.
Home Loan EMI Calculator
Calculate your exact monthly home loan EMI, total interest payable, and year-wise amortisation schedule.
Car Loan EMI Calculator
Calculate your monthly car loan EMI and total interest cost before you buy your next vehicle.
Personal Loan EMI Calculator
Calculate your personal loan EMI and understand the true cost of borrowing before taking an unsecured loan.
Education Loan EMI Calculator
Calculate your education loan EMI after the moratorium period — plan your career finances before taking a student loan.
Credit Card EMI Calculator
Calculate the actual cost of converting your credit card purchase into EMIs — see the true interest you pay.