Free SIP, EMI & FD Calculators for India
Plan your money with clear numbers. Calculate SIP returns with inflation and step-up, loan EMI and fixed deposit maturity. Every result comes with a chart and a year-by-year table.
Calculators
Change any value and the results update instantly.
Year-by-year table
Understanding SIP, EMI and FD
Plain-language explanations with worked examples. Last reviewed: October 2026.
How a SIP grows your money
A SIP builds wealth through regular investing and compounding. Suppose you invest ₹10,000 every month for 15 years at an assumed 12% yearly return. You put in ₹18 lakh in total, and the estimated value is about ₹47.1 lakh. Now add a 10% yearly step-up, raising the SIP to ₹11,000 in year two and so on. You invest about ₹38.1 lakh and the estimate rises to about ₹82 lakh. The step-up matters because most people earn more over time.
Two cautions apply. Returns are never fixed, and an equity SIP can fall in value in the short term. Also, ₹47 lakh in 15 years will buy less than it does today, which is why the calculator also shows the value in today's money after inflation.
How EMI works
An EMI is a fixed monthly payment that covers both principal and interest. For a ₹25 lakh loan at 9% for 15 years, the EMI is about ₹25,357. Over 15 years you pay about ₹45.6 lakh, so roughly ₹20.6 lakh is interest. In the early years most of each EMI goes to interest. Part-prepayments reduce the outstanding balance and can cut total interest noticeably, so ask your lender about prepayment charges.
How fixed deposit returns are calculated
An FD earns interest that is added back to the deposit at regular intervals, which is compounding. A ₹5 lakh FD at 7% with quarterly compounding grows to about ₹7.07 lakh in 5 years, an interest gain of about ₹2.07 lakh. More frequent compounding gives a slightly higher effective yield. Compare FDs by effective yield and also consider tax on interest, penalties for early withdrawal, and the safety of the bank.
Simple tips to use these calculators well
- Use conservative return assumptions when planning important goals.
- Keep your EMIs, in total, within a comfortable share of your monthly income.
- Build an emergency fund before you start long-term investing.
- Review your SIP amount and goals once a year.
- Compare results with your bank or fund house, as actual terms vary.
How we calculate
Every formula is standard and shown here, so you can verify the numbers.
SIP: money is invested at the end of each month. The yearly return is converted to an equal monthly rate, and the SIP can rise by a fixed percentage every year. Inflation is used only to show the corpus in today's money.
EMI: EMI = P × r × (1+r)n / ((1+r)n − 1), where P is the loan, r the monthly rate and n the number of months. The table splits each year into principal and interest.
FD: Maturity = P × (1 + R / (100 × k))k × t, where k is compounding periods per year. Banks may round differently, and interest may be taxable.
Guides
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Frequently asked questions
Are the results guaranteed?
No. Market returns change. These are estimates based on the numbers you enter.
Do you store my numbers?
No. All calculations run in your browser. Nothing is sent to any server.
Which return rate should I enter?
Use a conservative number. Equity funds are often assumed at 10 to 12% over the long term, but actual returns can be lower or negative in some years.
Why is my bank's FD value slightly different?
Banks may use different compounding rules and rounding. Check with your bank for the final figure.
What is a SIP and how does it work?
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund at regular intervals, usually monthly. Because you invest through ups and downs, your average purchase cost evens out over time.
What is a SIP step-up?
A step-up raises your SIP by a fixed percentage every year, for example 10%, so your investment grows as your income grows.
Is EMI calculated on a reducing balance?
Yes. Most bank loans charge interest on the outstanding balance, so the interest part of each EMI is larger at the start and smaller later.
Is FD interest taxable?
In India, FD interest is generally added to your income and taxed as per your slab, and banks may deduct TDS above certain limits. Check current rules with your bank or a tax professional.
MoneyPillar SIP: Future value of your SIP = ₹23,373. Total invested ₹19,860, Estimated returns ₹3,513, Value in today's money ₹19,625. www.moneypillar.in ,thats right and very accurate calculation
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