Methodology

SIP Calculator

The SIP Calculator estimates how regular monthly investments may grow over a selected period.

The calculation considers:

• Monthly investment amount
• Expected annual return
• Investment duration
• Optional step-up contributions

Assumptions:

• Returns are compounded at the frequency used by the calculator.
• Contributions are made regularly throughout the investment period.
• Return rates remain constant for projection purposes.

The result is an illustration of potential long-term growth, not a guarantee of future returns.

SWP Calculator

The SWP Calculator estimates how an invested corpus may change when regular withdrawals are made over time.

The calculation considers:

• Initial investment amount
• Expected annual return
• Monthly withdrawal amount
• Duration of withdrawals

Assumptions:

• Returns are earned on the remaining corpus.
• Withdrawals occur at regular intervals.
• Investment returns remain constant for projection purposes.

The results help users assess how long a corpus may last and whether a chosen withdrawal plan appears sustainable under the selected assumptions.

CAGR Calculator

The CAGR (Compound Annual Growth Rate) Calculator measures the constant annual rate at which an investment would have grown from its beginning value to its ending value over a specified period.

The calculation considers:

• Beginning value
• Ending value
• Investment duration

CAGR provides a standardised way to compare investment growth across different periods, although it does not reflect year-to-year volatility.

XIRR Calculator

The XIRR Calculator estimates the annualised return on a series of cash flows that occur on different dates.

The calculation considers:

• Multiple cash flows
• Actual transaction dates
• Final investment value

The calculation follows the same general methodology as the XIRR function used in spreadsheet applications such as Microsoft Excel and Google Sheets.

XIRR is particularly useful for evaluating mutual funds, SIPs, and portfolios that involve irregular contributions or withdrawals.

EPF Calculator

The EPF Calculator projects the potential value of an Employee Provident Fund balance over time.

The calculation includes:

• Employee contributions
• Employer contributions
• Annual salary growth assumptions
• EPF interest rates

The result is an estimate of long-term retirement savings based on the contribution, salary-growth, and interest-rate assumptions provided.

PPF Calculator

The PPF Calculator estimates the maturity value of contributions made to a Public Provident Fund account.

The calculation considers:

• Annual contributions
• Applicable interest assumptions
• Investment tenure

PPF interest rates are determined by the Government of India and may change periodically. Actual account values may therefore differ from the estimate.

Retirement Planner

The Retirement Planner estimates the corpus that may be required to support a user's expected expenses throughout retirement.

The calculation may consider:

• Current age
• Retirement age
• Current expenses
• Inflation assumptions
• Expected investment returns
• Life expectancy

The planner adjusts current expenses for inflation and estimates the retirement corpus needed under the selected return and life-expectancy assumptions.

Term Insurance Coverage Calculator

The Term Insurance Coverage Calculator provides an indicative estimate of life insurance cover based on a user's income, obligations, assets, and dependants.

The calculation may consider:

• Annual income
• Existing assets
• Outstanding liabilities
• Financial dependents
• Future financial obligations

The result is intended as general guidance only and should not be treated as a personalised insurance recommendation.

Insurance Premium Comparator

The Insurance Premium Comparator helps users compare the premiums and costs associated with different insurance scenarios.

Comparisons are based entirely on the information entered by the user and are intended for indicative purposes only.

Actual premiums may differ because of underwriting decisions, policy terms, medical history, and other insurer-specific factors.

Advanced EMI Calculator

The Advanced EMI Calculator estimates the regular instalment, total interest cost, and overall repayment amount for a loan calculated on a reducing balance basis.

The calculation considers:

• Loan principal
• Annual interest rate
• Loan tenure
• Payment frequency

Assumptions:

• The interest rate remains constant throughout the selected loan tenure.
• Instalments are paid in full and on time according to the selected repayment schedule.
• Processing fees, penalties, taxes, and other lender charges are excluded unless they are specifically entered.

The results are indicative. Actual instalments and borrowing costs may vary according to the lender's terms, rate changes, fees, and repayment schedule.

Income Tax Calculator

The Income Tax Calculator provides an estimate of a user's income tax liability based on the financial details and tax options selected.

The calculation may consider:

• Financial year
• Tax regime
• Income from applicable sources
• Eligible deductions and exemptions
• Applicable surcharge, rebate, and cess

Assumptions:

• The calculation uses the tax rates and rules configured for the selected financial year and tax regime.
• The income, deductions, exemptions, and other details entered by the user are complete and accurate.
• Tax laws, rates, rebates, and deduction rules may change over time.

The result is an informational estimate and should not be treated as tax advice, a formal assessment, or a substitute for a completed tax return.