Mutual Funds calculators
Two SIP calculators disagree more often than they agree, and the reason is almost always when the instalment is assumed to land: the start of the month or the end. That one choice moves a fifteen-year projection by more than most people expect. Each tool here states its timing convention rather than leaving you to infer it from the answer.
SIP CalculatorSIP maturity value, with both annuity conventions shown side by side. A SIP debits at the start of the month, so each instalment earns one extra period. Worth ₹23,004 on ₹10,000 a month at 12% for ten years.Step-Up SIP CalculatorA SIP that rises with your income each year, compared against a flat one. Stepping up by 10% a year roughly doubles the outcome over fifteen years. Most of it from instalments you had not yet started making.Inflation-Adjusted SIP CalculatorA stepped-up SIP with the result stated in today money. A large nominal corpus twenty years out buys much less than it appears to, and the step-up is what keeps the contribution real.Lumpsum Investment CalculatorLumpsum growth with the three things that decide what it is actually worth: inflation, tax and costs. A projected corpus is a nominal figure in a currency that will buy less by the time it arrives.SWP CalculatorHow long a corpus survives a systematic withdrawal plan. This is the amortisation formula in reverse, and the sustainable withdrawal (the one that never touches principal) is shown alongside.STP CalculatorA systematic transfer plan against deploying at once. Money waiting in the source fund earns the lower return, and that gap is the price of staging entry into the market.Mutual Fund Returns CalculatorMutual fund returns as both absolute and annualised figures. A sixty percent gain over four and a half years is not sixty percent a year and not thirteen either, because compounding is not division.Expense Ratio Impact CalculatorWhat an expense ratio difference costs over time. A gap of one and a half percentage points sounds trivial and typically consumes a quarter of the final corpus over twenty-five years.Exit Load CalculatorExit load on a redemption, and what waiting out the window would save. The load applies to the whole redemption value, not to the gain, which is why it bites hardest on a large investment with a small return.