Calculators
Work the number out properly.
Most calculators give you a figure and no way to check it. These print every assumption they used, show the year-by-year arithmetic underneath, and tell you what the answer is worth in today’s money as well as tomorrow’s.
SIP projection
Indicative, not an assurance- You invest
- ₹45.00 L
- Growth
- +₹81.14 L
- Projected
- ₹1.26 Cr
Past performance may or may not be sustained in future and is not a guarantee of any future returns. The rate is capped at 13% p.a., being the mean of 10-year rolling returns of the Nifty 50 between 1 June 2013 and 30 May 2023 (12.93%), the basis AMFI prescribes for illustrations.
What a calculator can and cannot tell you
These tools apply arithmetic to assumptions you choose. They are exact about the arithmetic and silent about the future. No market delivers a constant rate, no figure here is a projection of what will happen, and the further out the horizon the wider the real range of outcomes around the number on the screen. Every assumption used is printed on the page that uses it, with the date it was last checked, so you can disagree with it and change it.
38 calculators, grouped by the question they answer
How much will I have?
You know what you can put aside. These work out where it gets to, and how much of that is growth rather than your own money.
- SIPWhat will a monthly amount grow to?Open →
- Step-up SIPWhat if I raise the amount every year?Open →
- LumpsumWhat is one deposit worth later?Open →
- PPFWhat does the full term build?Open →
- Fixed depositWhat does a fixed rate actually pay?Open →
- One crore by ageWhat monthly amount gets me there?Open →
- Sukanya SamriddhiWhat will the account hold at 21?Open →
- Corporate FDWhat is the extra rate worth?Open →
- NPSWhat pension does Tier I build?Open →
- EPFWhat will my PF be at 58?Open →
How much do I need?
The harder direction, and the one worth doing first. Start from the life you want and work backwards to the monthly figure.
- Retirement corpusHow much before I can stop?Open →
- Goal plannerWhat do I set aside each month?Open →
- Will my money lastWill the money outlast me?Open →
- Emergency fundHow many months am I covered for?Open →
- Child educationWhat will a degree cost in 2044?Open →
- Term cover neededHow much cover does my family need?Open →
- Health cover neededIs my sum insured enough?Open →
- Home down paymentHow long until I have the deposit?Open →
What will this cost me?
Borrowing, waiting and inflation all have a price. These put a number on each of them.
- EMIWhat will the instalment be?Open →
- Home loan EMIWhat does the house cost each month?Open →
- Prepay or investShould the bonus clear the loan?Open →
- Inflation and the value of moneyWhat will today's money buy in 2046?Open →
- Home affordabilityWhat house does my income support?Open →
- Flat versus reducing rateWhich rate am I really being quoted?Open →
- The cost of waiting a yearWhat does one year of delay cost?Open →
What do I keep after tax?
A return before tax is not a return. These use the rules as they stand for the current assessment year, under the Income-tax Act, 2025.
- Income tax, old versus new regimeWhich regime leaves me with more?Open →
- Capital gains on funds and sharesWhat tax is due when I sell?Open →
- HRA exemptionHow much of my rent is exempt?Open →
- Post-tax yield comparisonWhich of these pays more after tax?Open →
- Section 123 (formerly 80C)How much deduction have I used?Open →
- Section 126 (formerly 80D)What does my premium save me?Open →
- LTCG harvestingHow much gain can I book tax free?Open →
Which of these two?
Two options, held side by side, with the point at which the answer flips. No winner is declared; the numbers are shown and you decide.
- SIP versus lumpsumSpread it out, or put it in at once?Open →
- FD versus debt fundWhich keeps more after tax?Open →
- ELSS versus PPF versus NPSWhich tax saver suits my horizon?Open →
- Rent versus buyIs renting the cheaper decision?Open →
- Bond YTM and priceWhat yield is this price giving me?Open →
- NCD cash-flow scheduleWhen does each coupon land?Open →
What these do that the others do not
Solve for any number
Pin any result and the calculator works backwards to the input. Start from the corpus you want, not the instalment you happen to pay.
In today's money
One switch reprices every answer in present value. Five crore in 2051 is about one and a quarter crore now, and a page that does not say so has misled you with correct arithmetic.
A range, not a single figure
The outcome is drawn as a band across three rates. A single number to the rupee, twenty years out, is false precision.
Every assumption printed
Named, dated, sourced, and yours to change. Nothing is hidden in a footnote or hardcoded out of sight.
The year-by-year table
Under every chart, so you can check the arithmetic rather than take it on trust. It is also the part a search engine can actually read.
After tax, where tax applies
A comparison before tax is not a comparison. The tax pages use the rules as they stand under the Income-tax Act, 2025.
Why a distributor publishes its own working
Zenith earns from distribution, which means a reader who understands the arithmetic before they call is a better conversation than one who does not. Someone who has already worked out that their retirement gap is forty lakh asks sharper questions, and the answers are worth more to them.
There is a second reason, and it is the plainer one. A firm that will not show you its own working is telling you something. Everything these tools do is published: the formula, the assumption, the source and the date. If you find an error in one of them, the desk would like to hear about it.
Talk to the desk
Bring us the number you worked out.
A calculator can tell you the gap. Closing it is a conversation about what you already hold, what you can commit, and how much of it you can afford to leave alone. Bring your figures and we will start from those.