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Financial Calculators

9 free tools — EMI, SIP, SWP, Step-Up SIP, and full goal planners with existing investment offset.

🏦 Loan Calculator

EMI Calculator

Enter your loan details to instantly calculate your monthly EMI, total interest and total amount payable.

₹
Enter the total loan amount you need
%
Annual rate of interest offered by lender
mo
Total repayment period in months
💡 Reducing tenure increases EMI but cuts total interest significantly. Try different combinations to find your ideal balance.
🏦 Loan Calculator

Loan Eligibility Calculator

Find out how much loan you're eligible for based on your monthly income and existing obligations.

₹
Take-home salary after all deductions
₹
Total of all current running EMIs
%
mo
💡 Banks allow 50–60% of net income as EMI (FOIR). Clearing existing debts significantly boosts your loan eligibility.
📊 Investment Calculator

SIP & Step-Up SIP Calculator

See how your monthly SIP grows over time — and how much extra wealth you build with an annual increase in contributions.

₹
Amount you invest every month
%
Expected annual return on your fund
yr
Number of years you plan to invest
%
% increase in SIP each year (0 = flat)
💡 A 10% step-up on a ₹5,000 SIP at 12% for 15 years creates 2.5× more wealth than a flat SIP — simply by hiking your SIP alongside your annual salary increase.
💸 Withdrawal Planner

SWP Calculator

Systematic Withdrawal Plan — enter your corpus, monthly withdrawal, return and period to see how long your money lasts.

₹
Total invested/accumulated corpus
₹
Amount you withdraw every month
%
Return earned on remaining corpus
yr
How many years you plan to withdraw
💡 SWP vs FD: In an SWP, only the gains portion of each withdrawal is taxed — not the full amount — making it far more tax-efficient than FD interest for post-retirement income.
🏠 Goal Planner

Dream Home Calculator

Plan your investment to accumulate the full amount needed to buy your dream home — accounting for property inflation, existing savings, and a yearly step-up.

₹
What the home costs today
yr
When do you plan to buy?
%
Expected annual rise in home prices
%
Expected return on your SIP / investments
%
% increase in SIP each year (0 = flat)
💰 Existing Savings (optional)
₹
Sum of all existing investments tagged to this goal
%
Expected return on your existing savings till goal
💡 Property in India appreciates 6–9% p.a. This calculator helps you build the full home purchase amount — no loan required if your goal is to save up entirely. Existing savings reduce the monthly SIP needed from today.
🌅 Goal Planner

Retirement Corpus Calculator

How big a nest egg do you need — and what SIP should you start today? Existing savings (PF, PPF, FD) are offset automatically.

yr
yr
₹
Current monthly household expenditure
yr
%
Long-term average inflation in India
%
%
% increase in SIP every year
%
Return on corpus after retirement (safe instruments: SCSS, debt MF, bonds)
💰 Existing Savings (optional)
₹
PF, PPF, FD, MF — all existing savings for retirement
%
💡 You need ~25× annual retirement expenses as corpus (4% rule). Your existing PF, PPF, or MF savings directly reduce the fresh SIP you need to start — enter them above to see the true shortfall.
🏖️ Post-Retirement

After Retirement Planner

You've built a corpus. Find out how long it will last, how much monthly income it generates, and whether it's sustainable.

₹
Total accumulated corpus at retirement
₹
Expected monthly spend post-retirement
%
Expected return on corpus (SCSS, debt MF etc.)
%
Expenses will rise each year by this %
💡 Strategy: Invest corpus across SCSS, RBI Floating Rate Bonds, debt mutual funds, and dividend-yielding equity funds for tax-efficient, inflation-beating post-retirement income. Kapital Bridge can build this allocation for you.
🎓 Goal Planner

Child Education Calculator

Plan your child's higher education fund — accounting for education inflation, existing savings tagged to this goal, and yearly SIP step-up.

yr
yr
₹
If your child goes to college today, what would it cost?
%
Education costs grow at 8–12% in India
%
%
% increase in SIP each year
💰 Existing Savings (optional)
₹
Existing MF, FD, SSY tagged to child's education
%
💡 A degree costing ₹10L today may cost ₹34L+ in 15 years at 8% education inflation. Sukanya Samriddhi Yojana (SSY) or ELSS SIP are excellent vehicles for this goal — they also offer tax benefits.
💍 Goal Planner

Child Marriage Calculator

Plan your child's wedding fund — inflation-adjusted, with existing savings offset and step-up SIP for a stress-free celebration.

yr
yr
₹
What a similar wedding would cost today
%
Wedding costs rise faster than general inflation
%
%
% increase in SIP each year
💰 Existing Savings (optional)
₹
Existing investments tagged to child's wedding
%
💡 A ₹20L wedding today could cost ₹55L+ in 15 years at 7% inflation. Any savings already set aside for this goal reduce the SIP needed from today — enter them above to see your true monthly commitment.
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