CalcToPlan - Financial Calculators for SIP, EMI, PPF, EPF, NPS & More

Unified view

Financial Health Check

Understand your complete financial picture in one view

Monthly cash flow

Monthly income

Monthly expenses

Monthly EMI

Savings and investments

Emergency fund amount

Monthly investment amount

Current investment value

Retirement savings value

Protection

Insurance coverage amount

Financial health score Your score will appear here Enter your details to generate an educational financial health view.

Income vs expenses 50% expense load

Savings runway 0 months

Savings rate 0%

EMI-to-income ratio 0%

Emergency fund coverage 0 months

Investment rate 0%

Breakdown and suggestions

Enter your details and calculate to see a simple educational health check.

Area	Result	Observation
Your breakdown will appear here after calculation.

Health score method

The score combines cash flow, EMI pressure, emergency fund coverage, investment rate, existing savings, retirement savings, and insurance coverage.

Cash flow Savings rate and EMI-to-income ratio are estimated from monthly income, expenses, and EMI.

Safety buffer Emergency fund coverage is estimated as months of expenses and EMI covered.

Long term Investment rate, current investments, retirement savings, and insurance coverage add context.

Disclaimer: This health score is an indicative planning view only. It is not a credit score, investment recommendation, or financial advice.

Investment planner

SIP Calculator

See how a steady monthly investment may build wealth over time and compare your invested amount with estimated gains.

Monthly SIP amount

Rs. 1Rs. 10L

Amount invested every month through SIP.

Expected annual return per year

1%100%

Use an estimated annual return, not a guaranteed rate.

Investment duration in years

1 year60 years

Total period for which monthly SIPs continue.

Annual SIP step-up

Optional yearly increase in SIP amount.

SIP maturity value Rs. 0

Total amount invested Rs. 0

Estimated wealth gained Rs. 0

Total step-up increase Rs. 0

Scenario comparison

Compare SIP options

Test up to three SIP plans side by side and quickly spot the option with the highest estimated maturity value.

Scenario 1

Monthly SIP

Expected return

Time period

Annual step-up

Scenario 2

Monthly SIP

Expected return

Time period

Annual step-up

Scenario 3 optional

Monthly SIP

Expected return

Time period

Annual step-up

Scenario	Monthly SIP	Return	Years	Step-up	Total investment	Estimated value	Estimated gains
Add scenarios and compare to see the outcome.

Year-wise growth

Follow the yearly path from total investment to expected value.

Year	Total investment	Estimated value	Estimated gains
Enter your SIP details and calculate to see the projection.

SIP formula used

Future Value = P x [((1 + r)ⁿ - 1) / r] x (1 + r)

P Monthly SIP amount

r Monthly return rate, annual return divided by 12

n Total number of monthly investments

Disclaimer: This SIP calculator provides an estimate only. Actual mutual fund returns can vary due to market movement, expenses, taxes, exit loads, and timing of investments.

Investment planner

Lumpsum Calculator

Understand how a one-time investment may compound over time, based on your chosen duration and expected return.

Estimated maturity amount Rs. 0

Total investment Rs. 0

Estimated gains Rs. 0

Lumpsum year-wise growth

See the estimated yearly path of your lump sum investment.

Year	Investment	Estimated value	Estimated gains
Enter your lumpsum details and calculate to see the projection.

Lumpsum formula used

Future Value = P x (1 + r)ⁿ

P One-time investment amount

r Expected annual return rate

n Investment duration in years

Disclaimer: This is only an estimate. Actual returns can vary due to market movement, expenses, taxation, and investment product terms.

Deposit planner

RD Calculator

Plan a recurring deposit and see how disciplined monthly savings may grow into a future maturity value.

Estimated maturity amount Rs. 0

Total deposits Rs. 0

Estimated interest Rs. 0

RD year-wise growth

Track yearly deposits, estimated value, and interest earned.

Year	Total deposits	Estimated value	Estimated interest
Enter your RD details and calculate to see the projection.

RD formula used

Future Value = P x [((1 + r)ⁿ - 1) / r] x (1 + r)

P Monthly deposit amount

r Monthly interest rate, annual rate divided by 12

n Total number of monthly deposits

Disclaimer: This RD calculator uses monthly compounding for simplicity. Bank RD calculators may use quarterly compounding or product-specific rules, so final values can differ.

Loan planner

Loan EMI Calculator

Estimate your EMI, total interest, payoff timeline, and how extra payments may help reduce debt faster.

Monthly EMI Rs. 0

Original payoff 0 months

Payoff with prepayment 0 months

Total interest Rs. 0

Interest saved Rs. 0

Payoff summary

Compare your loan path with and without extra monthly prepayments.

Scenario	Monthly payment	Payoff time	Total paid	Total interest
Enter your loan details and calculate to see the payoff summary.

EMI formula used

EMI = P x r x (1 + r)ⁿ / ((1 + r)ⁿ - 1)

P Loan principal or outstanding loan amount

r Monthly interest rate, annual rate divided by 12

n Total number of monthly EMI payments

Disclaimer: This is an estimate. Actual loan payoff can change due to fees, rate resets, prepayment rules, penalties, insurance, and lender-specific amortization.

Loan schedule

Loan Amortisation Calculator

See how each monthly payment is split between interest and principal, and how your outstanding balance reduces over time.

Monthly EMI Rs. 0

Total interest Rs. 0

Total payment Rs. 0

Monthly amortisation schedule

Review month-by-month EMI breakup, including interest, principal, and remaining balance.

Month	Opening balance	EMI	Principal	Interest	Closing balance
Enter loan details and calculate to see the monthly schedule.

How amortisation works

Each EMI first covers monthly interest. The remaining amount reduces your principal balance.

Interest Opening balance multiplied by the monthly interest rate

Principal EMI minus the interest portion for that month

Balance Opening balance minus principal repaid

Disclaimer: This schedule is a simplified estimate. Actual loan statements can differ due to fees, rate changes, prepayments, penalties, and lender-specific rules.

Retirement planner

NPS Calculator

Estimate your NPS retirement corpus using your existing balance, monthly contributions, and expected return.

Estimated NPS corpus Rs. 0

Total contribution Rs. 0

Estimated gains Rs. 0

NPS year-wise growth

See how your current balance and future contributions may grow together.

Year	Total contribution	Estimated corpus	Estimated gains
Enter your NPS details and calculate to see the projection.

NPS formula used

Projected Corpus = Existing balance compounded monthly + future monthly contributions compounded monthly

Balance Existing NPS corpus entered by the user

Contribution Monthly NPS amount added during the planning period

Return Expected annual return converted to a monthly rate

Disclaimer: This is only an estimate. Actual NPS returns depend on asset allocation, fund performance, charges, taxation, annuity rules, and withdrawal regulations.

Salary savings planner

EPF Calculator

Estimate your EPF balance from current savings, employee contribution, employer contribution, and interest rate.

Estimated EPF balance Rs. 0

Total contribution Rs. 0

Estimated interest Rs. 0

EPF year-wise growth

Review yearly growth from your existing balance and monthly provident fund contributions.

Year	Total contribution	Estimated balance	Estimated interest
Enter your EPF details and calculate to see the projection.

EPF formula used

Projected Balance = Existing balance compounded monthly + employee and employer monthly contributions

Balance Existing EPF balance entered by the user

Contribution Employee and employer monthly contributions combined

Interest Annual EPF interest rate converted to a monthly rate

Disclaimer: This is a simplified estimate. Actual EPF can differ due to annual interest crediting, EPS split, wage limits, rule changes, withdrawals, and employer contribution structure.

Withdrawal planner

SWP Calculator

Estimate how long an investment corpus may support regular monthly withdrawals.

Estimated balance after durationRs. 0

Total withdrawalsRs. 0

Corpus lasts for0 months

Year-wise SWP view

Track withdrawals and remaining corpus across each year.

Year	Total withdrawals	Estimated balance
Enter your SWP details and calculate to see the projection.

SWP method used

Monthly return is added to the remaining corpus, then the monthly withdrawal is deducted.

Disclaimer: SWP values are estimates. Actual investment returns, taxes, and fund rules can vary.

Savings planner

PPF Calculator

Estimate Public Provident Fund maturity value from yearly contributions and interest rate.

Estimated PPF maturityRs. 0

Total contributionRs. 0

Estimated interestRs. 0

PPF year-wise growth

Review annual contribution, interest, and estimated balance.

Year	Total contribution	Estimated balance	Estimated interest
Enter your PPF details and calculate to see the projection.

PPF method used

Yearly contribution is added and compounded annually at the entered interest rate.

Disclaimer: PPF rules, limits, and interest rates can change. This is a simplified estimate.

Loan planner

Home Loan Prepayment Calculator

Estimate interest and tenure savings from one-time or monthly home loan prepayments.

Interest savedRs. 0

Original payoff0 months

New payoff0 months

Monthly EMIRs. 0

Tenure reduced by0 months

Prepayment method used

The calculator estimates EMI on the outstanding loan, reduces principal by prepayments, and compares interest paid.

Disclaimer: Actual savings depend on lender rules, rate resets, prepayment charges, and amortization method.

Employee benefit

Gratuity Calculator

Estimate gratuity using last drawn basic plus dearness allowance and years of service.

Estimated gratuityRs. 0

Eligible service0 years

Formula used15 / 26

Gratuity formula used

Gratuity = Last drawn salary x 15 / 26 x completed years of service.

Disclaimer: Actual gratuity can depend on eligibility, employer policy, law, tax rules, and statutory caps.

Financial Health Check

Monthly cash flow

Savings and investments

Protection

Breakdown and suggestions

Health score method

SIP Calculator

Compare SIP options

Growth chart

Year-wise growth

SIP formula used

What is a SIP?

Lumpsum Calculator

Lumpsum year-wise growth

Lumpsum formula used

RD Calculator

RD year-wise growth

RD formula used

Loan EMI Calculator

Payoff summary

EMI formula used

How prepayment affects loan payoff

Loan Amortisation Calculator

Monthly amortisation schedule

How amortisation works

NPS Calculator

NPS year-wise growth

NPS formula used

EPF Calculator

EPF year-wise growth

EPF formula used

SWP Calculator

Year-wise SWP view

SWP method used

PPF Calculator

PPF year-wise growth

PPF method used

Home Loan Prepayment Calculator

Prepayment method used

Gratuity Calculator

Gratuity formula used

Important planning note