Free Financial Calculators
Plain calculators with the formula explained, no sign-up and no ads. When you want the same numbers on your real portfolio, open the free Capital Friends app.
Monthly SIP → value after N years, with optional yearly step-up.
One-time investment → future value at a given return.
How long a corpus lasts with monthly withdrawals.
Annualised growth from a start value, end value and years.
Your real annual return from dated purchases and today's value.
Corpus you need at retirement and the SIP to reach it.
Months of expenses you should keep aside, and where.
Your FIRE number and the age you can stop working.
Assets minus loans, the number that shows real progress.
Plan a goal with the real planner
Retirement, child education, a house or any goal: the app's own planner, free, no sign-in to plan.
Track the real thing, not just the estimate
Capital Friends is a free, open-source portfolio tracker for Indian families. Import your CAMS statement, see XIRR and CAGR for every fund, plan goals and retirement, and let your family get one summary email. Your data stays in your own Google Drive.
Frequently asked questions
Are these calculators free?
Yes, free with no login and no ads. They run in your browser; nothing you type is sent anywhere.
How accurate are they?
They use standard formulas (monthly-compounded SIP, compound growth, XIRR by bisection). Results depend on the return and inflation you assume.
Can I use the numbers for my own portfolio?
Yes: Capital Friends, the free app behind these pages, applies the same maths to your real mutual funds, stocks, EPF and FDs for the whole family.
More free tools
All family funds from one CAS import, with real money-in, XIRR and CAGR.
Every member, every asset and loan, one dashboard, one number.
Three buckets, refilled in good years, so you never sell in a crash.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.