Free Financial Calculators 2026 – SIP, SWP, STP, PPF, NPS & Rule of 72 | India

Use these free financial calculators to plan investments, model retirement income, and compare strategies — directly in your browser, with no sign-up required.

Financial Calculators

1. SIP Calculator – Systematic Investment Plan Estimate future returns on a monthly mutual fund SIP. See total invested vs. maturity value and year-by-year portfolio growth with the power of compounding.

Open SIP Calculator


2. SWP Calculator – Systematic Withdrawal Plan Plan regular withdrawals from your mutual fund corpus. Calculate how long your savings will last at a chosen monthly withdrawal amount — ideal for retirement income planning.

Open SWP Calculator


3. STP Calculator – Systematic Transfer Plan Model a lump sum gradually transferred from a liquid fund to an equity fund. Useful for deploying a large corpus into equity without timing-risk exposure.

Open STP Calculator


4. PPF Calculator – Public Provident Fund Project your PPF maturity amount at 7.1% p.a. (FY 2026-27) with year-by-year interest breakdown. Covers Section 80C deduction and fully tax-free (EEE) maturity.

Open PPF Calculator


5. NPS Calculator – National Pension System Estimate your NPS retirement corpus, lump-sum withdrawal, and monthly pension with step-up contributions. Covers Tier 1 accounts and multiple asset-allocation scenarios.

Open NPS Calculator


6. SIP + EMI Calculator – Invest While You Repay Enter your home loan details and see how a concurrent SIP can build a corpus that offsets your interest burden. Compares total interest paid vs. SIP wealth created over the loan tenure.

Open SIP + EMI Calculator


7. Rule of 72 Calculator – Investment Doubling Time Instantly estimate how many years it takes for your money to double at a given annual return rate. Uses the Rule of 72 — a classic mental-math shortcut for comparing investments, checking inflation’s impact, and stress-testing return promises.

Doubling Time Calculator

Frequently Asked Questions

Which calculator should I use for retirement planning?

For retirement planning, use the NPS Calculator if you contribute to the National Pension System — it projects your Tier 1 corpus and estimated monthly pension with step-up contributions. Use the SIP Calculator to model long-term mutual fund wealth accumulation. The SWP Calculator helps plan corpus drawdown in retirement, showing how long your savings will last at a chosen monthly withdrawal amount.

Are these financial calculators free to use?

Yes, all calculators on this page are completely free. There is no cost, subscription, or registration required. Each calculator also lets you download a PDF summary of your projections.

Do I need to register or log in to use these calculators?

No. All calculators work instantly in your browser with no login, registration, or personal data required. Your inputs remain on your device and are not transmitted anywhere.