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SIP Growth Preview

Monthly investment10,000

Expected annual return12%

Time horizon15 years

Projected value≈ 50.4 Lakh

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Monthly investment

Amt

Expected annual return (%)

Time period (years)

Yrs

Projected value

—

Total invested—

Wealth gained—

Formula: FV = P × [((1+r)^n − 1) / r] × (1+r), where P is monthly investment, r is the monthly rate, and n is the number of months. Assumes monthly compounding and a constant return — real markets fluctuate.

Principal amount

Amt

Annual interest rate (%)

Time period (years)

Yrs

Compounding frequency

Final amount

—

Principal—

Interest earned—

Formula: A = P × (1 + r/n)^(n×t), where P is principal, r is annual rate, n is compounding frequency per year, and t is years.

Loan amount

Amt

Annual interest rate (%)

Loan tenure (years)

Yrs

Monthly EMI

—

Total payment—

Total interest—

Formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is loan amount, r is the monthly interest rate, and n is the number of monthly installments.

Current savings

Amt

Monthly contribution

Amt

Years until retirement

Yrs

Expected annual return (%)

Projected retirement corpus

—

From current savings—

From monthly contributions—

Combines future value of a lump sum with future value of a monthly contribution series, both compounded monthly at the expected return rate. Doesn't account for inflation — see the guide below on real vs nominal returns.

Monthly take-home income

Amt

The 50/30/20 rule: 50% on needs (rent, groceries, bills), 30% on wants (dining out, hobbies), 20% on savings and debt repayment. A starting point to adjust to your own situation — not a strict requirement.

Suggested monthly split

Needs (50%)—

Wants (30%)—

Savings & debt (20%)—

Cash & savings

Amt

Investments (stocks, funds, etc.)

Amt

Property / real estate value

Amt

Other assets (vehicle, gold, etc.)

Amt

Total loans & debt owed

Amt

Net worth

—

Total assets—

Total liabilities—

Net worth = total assets − total liabilities. This is a snapshot, not a performance measure — track it every few months to see the trend rather than obsessing over any single number.

Current amount / cost

Amt

Expected annual inflation (%)

Number of years

Yrs

Future cost of the same lifestyle

—

Today's value—

Purchasing power lost—

Formula: Future cost = Amount × (1 + inflation rate)^years. Shows what today's expenses will cost in the future — useful for sanity-checking whether a retirement or savings target actually keeps pace with rising prices.

Current balance

Amt

Annual interest rate / APR (%)

Fixed monthly payment

Amt

Time to pay off

—

Total paid—

Total interest—

Credit card APR compounds monthly and is typically much higher than other debt — paying more than the minimum can cut both payoff time and total interest dramatically.

This is a simplified, general-education quiz — not a substitute for a proper risk assessment from a financial professional, which considers your full situation.

United States reference

US retirement accounts & 2026 tax brackets

Quick reference for US-specific account types and federal income tax brackets. International readers can skip to the Global Reference section below.

Account type	Tax treatment	Common use
401(k)	Pre-tax contributions, taxed on withdrawal	Employer-sponsored retirement plan, often with employer matching
Roth 401(k)	After-tax contributions, tax-free qualified withdrawals	Employer plan variant for those expecting higher future tax rates
Traditional IRA	Pre-tax or deductible contributions, taxed on withdrawal	Individual retirement account outside an employer plan
Roth IRA	After-tax contributions, tax-free qualified withdrawals	Individual account, income limits apply
HSA	Triple tax advantage: pre-tax in, tax-free growth, tax-free for medical use	Paired with high-deductible health plans; doubles as a retirement vehicle after 65
529 Plan	After-tax contributions, tax-free growth for education expenses	Education savings, state tax benefits vary

2026 tax rate	Single filers	Married filing jointly
10%	$0 – $11,925*	$0 – $23,850*
12%	$11,926 – $48,475*	$23,851 – $96,950*
22%	$48,476 – $103,350*	$96,951 – $206,700*
24%	$103,351 – $197,300*	$206,701 – $394,600*
32%	$197,301 – $250,525*	$394,601 – $501,050*
35%	$250,526 – $626,350*	$501,051 – $751,600*
37%	Over $626,350*	Over $751,600*

*Brackets shown are illustrative and adjust annually for inflation — always verify current figures with the IRS before filing. This is a progressive system: only income within each bracket is taxed at that bracket's rate, not your entire income.

Global reference

Using this site outside the US

Every calculator on this page works with plain numbers, so it's usable with any currency worldwide.

Any currency

No currency lock-in

Calculators use unlabeled numbers — enter figures in USD, EUR, GBP, INR, BDT, or any currency; just stay consistent within each calculation.

Local equivalents

Retirement accounts vary by country

The US reference table above (401k, IRA, Roth) has rough equivalents elsewhere — e.g. UK's ISA and pension, Canada's RRSP and TFSA, India's PPF and EPF, Australia's Superannuation.

Tax rules differ

Check local tax treatment

Tax brackets, capital gains rules, and account benefits vary significantly by country — the US bracket table above doesn't apply outside the US.

Quick reference

Rules of thumb worth remembering

Rough mental shortcuts — useful for quick estimates, not a substitute for the calculators above.

Watch out for these

Common investing mistakes

Patterns that quietly cost people money — worth checking your own habits against.

Financial checklist

What to focus on, by life stage

General priorities people commonly focus on at each stage — not a rigid checklist, since everyone's situation differs.

Life stage	Common priorities

How it works

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Seven calculators covering growth, loans, retirement, budgeting, and net worth — switch anytime with the tabs above.

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Read the guides

Understand the "why" behind each formula in the guides section below.

Guides

Understand the concepts

Full written guides — click any card to read it right here on the page.

Glossary

Finance terms, explained simply

Search or browse by category. Click any term to expand its definition.

Compare

Investment vehicles at a glance

A general comparison to orient beginners — actual risk and return depend on the specific product and market.

Vehicle	Typical risk	Liquidity	Typical time horizon	Notes
Savings account	Low	High	Any	Safest option; returns usually below inflation over time.
Fixed deposit	Low	Low-Medium	Months–years	Fixed return, penalty for early withdrawal.
Government bonds	Low	Medium	Years	Backed by government; returns tend to track interest rates.
Corporate bonds	Medium	Medium	Years	Higher yield than government bonds, with issuer credit risk.
Mutual funds / index funds	Medium	High	5+ years	Diversified by design; returns follow the underlying market.
Individual stocks	High	High	5+ years	Highest long-term growth potential, also highest volatility.
Real estate	Medium	Low	5–20+ years	Illiquid, but can provide rental income plus appreciation.
Gold / precious metals	Medium	High	Any	Often used as an inflation hedge; doesn't generate income.

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