Financial Calculators

This is a simplified estimate for illustration — it doesn't account for existing savings, other income in retirement, or sequence-of-returns risk. Talk to us for a fuller retirement plan.

Each year's monthly instalment is assumed to increase by the step-up percentage over the previous year's — e.g. a ₹10,000 SIP with a 10% step-up becomes ₹11,000/month in year 2, ₹12,100/month in year 3, and so on.

Assumes quarterly compounding, the common convention for bank Fixed Deposits — your issuer's actual compounding frequency and rate may differ. Check the current rate card before investing.

Assumes quarterly compounding at a flat rate for the full tenure — the common convention for bank RDs. Actual rates vary by issuer, and most RDs charge a penalty for missed instalments, which isn't modelled here.

These calculators are for illustration only. They assume a constant rate of return, which real investments never deliver — actual results will vary with market conditions. Nothing here is a promise, guarantee, or personalised recommendation. See Disclaimer.