SIP, FD, CAGR, inflation and compound interest tools to build wealth confidently and compare investment returns.
CAGR (Compound Annual Growth Rate) is the smoothed annual return an investment would have earned if it had grown at the same rate every year. It's the standard way to compare investments across different time periods. CAGR ignores year-to-year volatility, which makes it a better comparison metric than total return.
Compound interest is interest earned on both the original principal and the accumulated interest from previous periods. It is the most powerful concept in personal finance — and the reason long-term investing creates wealth. This calculator supports annual, half-yearly, quarterly, monthly and daily compounding so you can model FDs, RDs, mutual funds and savings accounts accurately.
A Fixed Deposit (FD) is a safe investment instrument offered by banks where you deposit a lump sum for a fixed tenure at a fixed rate of interest. FDs in India typically compound quarterly. The FD calculator shows the maturity value, total interest earned and effective yield so you can compare offers across banks before locking in.
Inflation is the silent destroyer of savings. India's long-term inflation has averaged around 6%, meaning ₹100 today buys roughly half what it did 12 years ago. The InstantTool inflation calculator shows the future equivalent of any amount and helps you set realistic savings, salary-hike and retirement targets.
A lumpsum investment is a single one-time deposit into a mutual fund, FD, or other instrument. It's ideal when you receive a windfall — bonus, sale proceeds or maturity amount. This calculator uses standard compound interest to project your future value so you can compare lumpsum investing against SIPs.
Mutual fund returns are market-linked and depend on the category (equity, debt, hybrid), fund manager skill and market conditions. While past performance doesn't guarantee future returns, projecting at reasonable expected rates (10–12% equity, 6–8% debt) helps set realistic goals. This calculator works for both lumpsum and SIP scenarios.
The National Pension System (NPS) is a government-backed retirement scheme open to all Indian citizens aged 18–70. Subscribers contribute monthly till age 60, after which 40% is mandatorily used to buy an annuity (pension) and the remaining 60% can be withdrawn lump sum. NPS offers extra Section 80CCD(1B) tax benefit of ₹50,000 over and above 80C.
PPF (Public Provident Fund) is a government-backed long-term savings scheme that offers tax-free returns under Section 80C. The minimum tenure is 15 years and the rate is reset quarterly by the Government of India. This calculator uses annual compounding to estimate the maturity value of yearly contributions, helping you plan retirement and children's education.
A retirement calculator estimates the corpus you need at retirement to maintain your current lifestyle, then works backwards to the monthly SIP needed to build that corpus. The InstantTool retirement calculator factors in Indian inflation (typically 6%), pre- and post-retirement returns and your life expectancy. The result is a realistic target SIP — not a guess.
Goal-based savings is the most disciplined way to build wealth. Instead of saving 'whatever is left', you reverse-engineer the monthly amount needed to hit a specific target by a specific date. The InstantTool savings goal calculator uses compounding to compute the exact monthly investment based on your target amount, time horizon and expected return.
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed amount in mutual funds at regular intervals — usually monthly. SIPs are popular in India because they make investing affordable and remove the stress of market timing. The InstantTool SIP calculator uses the standard future-value formula for monthly investments to estimate the maturity amount, your total invested capital and the estimated returns generated.
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed for the girl child in India. Parents/guardians can open one account per girl child below 10 years of age. Contributions are made for 15 years, and the account matures 21 years after opening. SSY currently offers around 8% annual interest, fully tax-free under EEE — making it one of the most attractive small savings schemes.
A Systematic Withdrawal Plan (SWP) is the reverse of a SIP — instead of investing monthly, you withdraw a fixed amount every month from your existing mutual fund corpus. SWPs are popular with retired investors who want regular income while keeping the rest of the corpus invested for growth. This calculator shows how long the corpus lasts and the closing balance.
InstantTool's investment & savings calculators are built specifically for Indian users — using the correct formulas, currency formatting (₹) and local context so you get results you can act on immediately. All tools are free, work without any signup and run entirely in your browser for privacy.
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