NiveshHindi Tools
Use your own numbers. Compare different situations. See what changes.
Find calculators for retirement, loans, financial goals, inflation, returns and investment costs. Each calculator opens on its own page with the calculation and a simple explanation.
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Retirement
Check retirement needs, savings and withdrawal plans.
Retirement Calculator
How much retirement corpus may I need?
Estimate the corpus needed at retirement and the starting monthly investment using your own assumptions.
Open calculator →FIRE Calculator India
How much may I need for financial independence?
Estimate your FIRE target and check whether your current corpus and monthly investing may reach it.
Open calculator →Retirement Readiness Calculator
Am I on track for retirement?
Use your current savings, regular investments and assumptions to see how much of your retirement need may be covered.
Open calculator →EPF Calculator with Salary Increase
How much could my EPF grow by retirement?
Estimate your EPF balance as your Basic + DA and monthly PF contributions change over time.
Open calculator →SWP Corpus Survival Calculator
How long could my withdrawals last?
Test monthly withdrawals, inflation-adjusted withdrawals and stress scenarios against your corpus.
Open calculator →Goals
See how time and inflation may change the cost of your goals.
Child Education Funding Gap Calculator
Is my current saving enough for my child's education goal?
Compare the future education cost with your existing savings and monthly amount to see the possible funding gap.
Open calculator →Goal Calculator with Inflation
Am I saving enough for my goal?
Estimate the future cost of a goal and see whether your current savings may be enough.
Open calculator →Money Planning
Check everyday money needs and safety buffers.
Emergency Runway Calculator
How long could my emergency money last?
See how many months your available emergency money could cover if your regular income stops.
Open calculator →Inflation-Deflation Calculator
What will inflation or deflation do to my money?
See future cost, buying power and the effect of a different inflation or deflation rate.
Open calculator →Loans & Credit
Understand loan payments, rate changes and home decisions.
Home Loan Rate Change Calculator
What happens if my home loan rate changes?
See how a new interest rate may change your EMI, remaining loan period and interest.
Open calculator →Multiple Loan Payoff & Prepayment Calculator
What happens if I put extra money toward my loans?
Compare multiple loans, extra payments and three payoff paths in one simple calculation.
Open calculator →Rent vs Buy Home Calculator
Should I rent or buy a home?
Enter your home, loan and rent numbers to see which option comes out ahead in this simple comparison.
Open calculator →Returns & Investing
Calculate returns, costs and investment growth.
XIRR Calculator
What return did my actual cash flows earn?
Add investment and withdrawal dates to calculate annualised XIRR.
Open calculator →Step-Up SIP Calculator
What changes if I increase my SIP every year?
Compare a yearly step-up SIP with keeping the same monthly SIP.
Open calculator →Mutual Fund Expense Ratio Calculator
How much can an expense ratio change the final value?
Compare two expense ratios and see their long-term effect on your investment.
Open calculator →How to use these calculators
Start with the numbers you know. If a calculator asks for inflation, return or growth, you can change the assumption and see how the result changes.
Remember
Calculator results are estimates. Interest rates, inflation, taxes, returns and your own situation can change over time.
These calculators are for financial education and general calculations. They are not investment advice or a product recommendation.