Investing Calculators and Guides
12 calculators · 11 guides
This hub brings together the Calcumetrics calculators and guides for growing savings. Use the SIP and lump sum calculators to project mutual fund or index fund investments, and the fixed deposit, recurring deposit and PPF calculators for guaranteed-return products. To measure what an investment actually earned, the CAGR calculator handles a single start and end value, while the XIRR calculator handles several deposits and withdrawals on different dates.
Long-term planning tools sit alongside them. The compound and simple interest calculators show how returns build up, the inflation calculator shows what money will be worth in future, and the savings goal calculator works out the monthly amount needed to reach a target. US readers will also find a 401(k) calculator and a guide to choosing between traditional and Roth contributions.
The guides explain the questions behind the numbers: CAGR versus XIRR, RD versus SIP, how PPF interest is credited, real returns after inflation, and what recent rate changes mean for deposits. The hub is meant for new investors, salaried savers comparing products and anyone checking a fund statement. Calculations run in your browser and nothing you enter is stored.
SIPs and market investments
SIP Calculator
Calculate maturity value and wealth gain for Systematic Investment Plans with monthly compounding.
GlobalLump Sum Calculator
Calculate the future value of a one-time investment with compound interest.
GlobalCAGR Calculator
Calculate the Compound Annual Growth Rate between two investment values over time.
GlobalXIRR Calculator
Calculate the extended internal rate of return for irregular cash flows and dates.
Guides
- CAGR vs. XIRR: How to Accurately Measure Your Investment ReturnsLearn the key differences between CAGR and XIRR, why SIPs require XIRR, how cash flow timing impacts returns, and how to avoid annualization traps.
- Recurring Deposit (RD) vs. SIP: Which Is Best for Your Investment Time Horizon?Compare guaranteed bank Recurring Deposits with market-linked Systematic Investment Plans. Discover the optimal strategy for short and long-term goals.
- Dhanteras 2026: gold vs SIP and a ₹50,000 growth exampleDhanteras 2026 falls on 6 November. Explore what ₹50,000 could become under assumed growth, compare SIP cash flows and avoid gold-price predictions.
- Diwali Bonus 2026: Invest a Lump Sum, Start a SIP or Prepay?Compare a ₹1 lakh Diwali bonus as a lump sum, a 12-month SIP or a home-loan prepayment, with engine-calculated results, timing and risk explained.
Deposits and small savings
Fixed Deposit (FD) Calculator
Calculate maturity value and interest earned on fixed deposits with quarterly compounding.
GlobalRecurring Deposit (RD) Calculator
Calculate maturity value for recurring deposit schemes with monthly contributions.
INPPF Calculator
Calculate Public Provident Fund maturity value with India-specific interest rates and 15-year lock-in.
Guides
- FD Rates After the RBI Hike: Should You Lock Your FD Now or Wait?Will bank FD rates rise after RBI’s October 2026 repo hike to 5.50%? Learn the deposit lag, master FD laddering with ₹5 lakh, and calculate real returns.
- RBI repo rate 5.50%: how much more can your FD earn?RBI repo rate at 5.50%: compare illustrative FD maturity on ₹1 lakh and ₹5 lakh, check bank pricing and calculate the effect of a rate change.
- Small Savings Rates: October–December 2026 (Q3 FY27)See the Oct–Dec 2026 rates for PPF, NSC, SCSS, SSY, KVP, Post Office TD, RD and MIS, with calculator examples and clear compounding assumptions.
- PPF Interest Calculation Explained: Why Depositing Before the 5th Earns Thousands MoreUnderstand the statutory 5th-of-the-month PPF deposit rule, how monthly interest is computed on the lowest balance, and the compounding loss of late deposits.
Growth, inflation and goals
Compound Interest Calculator
Calculate compound interest for any principal, rate, time, and compounding frequency.
GlobalSimple Interest Calculator
Calculate simple interest, maturity value, and compare directly with compound interest growth.
GlobalInflation Calculator
Calculate the future purchasing-power impact of inflation over time.
GlobalSavings Goal Calculator
Calculate the amount to save regularly to reach a target savings goal.
Guides
- The Real Rate of Return: Why Your 7% Fixed Deposit (FD) Might Be Losing MoneyCalculate true real rate of return after taxes and inflation using the Fisher Equation. Discover why a 7% bank fixed deposit (FD) yields negative real wealth.
- APR vs. APY Explained: How Compounding Frequency Silently Changes Your True ReturnHow APR differs from APY, how compounding frequency widens the gap between nominal and effective rates, and how lenders quote interest to borrowers and savers.
Retirement (US)
How to choose an investment calculator
Start with how the money goes in. For a fixed monthly amount into a mutual fund, use the SIP calculator; for a single deposit left to grow, use lump sum or compound interest. Simple interest only applies when interest is paid out rather than reinvested.
For bank deposits, the FD calculator handles one deposit and the RD calculator handles fixed monthly deposits. Indian savers after tax-free long-term returns should check the PPF calculator; US savers should use the 401(k) calculator.
To judge returns you have already earned, use CAGR when there is one start value and one end value, and XIRR when you added or withdrew money on different dates. Then run any target through the inflation calculator and let the savings goal calculator turn it into a monthly amount.
To compare interest-crediting schedules on one deposit, use the compound interest calculator for daily, monthly and annual growth. Keep the same nominal rate and term while changing the frequency.
For one-off sums such as simple interest, present value or the effect of inflation on a price, the everyday money math hub groups the basic formulas in one place.