Plan your money, in plain numbers.
7 free calculators for Indian money decisions — retirement planning, SIP/SWP investing, loan EMIs, buying vs renting, and rent receipts. Every calculation runs right in your browser.
Free, no signup
Every calculator is free to use. No account, no email, no paywall.
Built for India
₹ lakhs and crores, HRA rules, EMI conventions — every tool speaks the way Indian finances actually work.
Runs in your browser
Your numbers are never sent to a server — every calculation happens on your device.
Calculators
SIP Calculator
Project the future value of your monthly SIP investments.
SWP Calculator
See how long a lumpsum lasts under a fixed or annually step-up monthly withdrawal plan.
Retirement Corpus
Work out how large a corpus you need to retire comfortably, and how much to save monthly to get there.
FIRE Calculator
Simulate a two-bucket retirement withdrawal plan against 30+ years of real Indian market history.
Loan EMI Calculator
Calculate your monthly EMI, total interest, and a year-by-year amortization schedule for any loan.
Buy vs Rent Calculator
Compare buying a home (with a loan or full payment) against renting and investing the difference, year by year.
Rent Receipt Generator
Generate and download rent receipts for HRA tax exemption — 1 to 24 months at a time.
Mutual Fund Returns
Coming soonEstimate lump-sum and SIP returns for a mutual fund over time.
Not sure where to start?
Will my retirement savings actually last?
FIRE Calculator →
How much do I need to retire comfortably?
Retirement Corpus →
What will my monthly SIP be worth?
SIP Calculator →
How long will a lumpsum last if I withdraw monthly?
SWP Calculator →
What's my loan EMI and total interest?
Loan EMI Calculator →
Should I buy a home or keep renting?
Buy vs Rent Calculator →
I need rent receipts for my HRA claim
Rent Receipt Generator →
Frequently asked questions
What financial calculators are available?
Nivesh Calculator includes tools for FIRE planning, retirement corpus planning, SIP and SWP projections, loan EMIs, buying versus renting, and rent receipts.
Are the calculators free to use?
Yes. The calculators are free and do not require an account or email address.
Are my financial inputs stored?
The calculations run in your browser, so the numbers you enter are not sent to our calculation server.
Are these calculators designed for India?
Yes. They use Indian rupee formatting and cover India-specific concepts such as HRA, rent receipts and EMI calculations.