Calculators
Run the numbers yourself.
Calculators that do arithmetic on figures you choose — including the rate of return. They show how compounding behaves. They are not forecasts, and no rate here is predicted, expected or promised.
Solutions start from a question about your life
Calculators start from a number
Financial Health Check
Where do you stand?
Ten areas, one score out of 40, about three minutes.
The same check we would walk through sitting across from you — goals, retirement, protection, tax, what happens after. Answer what applies and skip what does not — five of the ten areas is enough for a score.
More wealth is lost to a form nobody updated than to any market. This is the list. Tick what is genuinely done — the ticks stay in this browser and are not sent to us or to anyone else.
About these numbers
Every figure above is produced by applying a rate you entered to an amount you entered. The rate is an assumption, not a forecast — actual returns on a mutual fund investment vary, can be negative, and are not predictable. These calculators do not account for inflation, expense ratios, exit loads or taxation, all of which will affect what you actually receive.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.
The ten areas a financial health check covers
These are the questions we would work through sitting across from you. Each area is scored out of four, for forty in total. You can answer them on this page, or simply read them and take stock yourself — the list is useful either way.
Goal planning
- Have you defined your financial goals — retirement, children's education, a home?
- Are they written down with a rupee figure against each?
- Is each one matched to specific investments?
Retirement planning
- How prepared are you for retirement?
Investing discipline
- How do you invest?
Tax on gains
- Do you hold long-term investments in financial assets?
- Do you look at your capital gains each year?
- Do you use the annual long-term gains exemption?
- Do you set short-term losses against gains?
Emergency fund
- If your income stopped today, how long could the household manage?
Protection
- Does anyone depend on your income?
- Is your life covered by term insurance you consider adequate?
- Do you have health insurance?
Spending and debt
- Do you know what your lifestyle actually costs, beyond the basics?
- Do you carry any debt?
- Is it the useful kind — a home loan rather than a revolving card balance?
Income sources
- How many sources of income do you have?
Reviewing it
- How often do you, or whoever helps you with it, go through your finances?
What happens after
- In an emergency, would your family know where the documents are and who to call?
- Are nominations current on every folio and account?
- Is there a will?
What a degree costs in India today
Total course cost at today’s prices, not per year. The range matters more than the middle figure: the gap between a government seat and a private one is usually larger than any investment decision you will make about it.
| Course | Typical total | Range | Length |
|---|---|---|---|
| Engineering, private collegeB.Tech at a private university in India | ₹16,00,000 | ₹5,00,000 – ₹25,00,000 | 4 yr, from age 18 |
| Medicine, private collegeMBBS at a private medical college in India | ₹75,00,000 | ₹40,00,000 – ₹1,50,00,000 | 5 yr, from age 18 |
| A degree in IndiaThree-year graduation at a private university | ₹8,00,000 | ₹3,00,000 – ₹18,00,000 | 3 yr, from age 18 |
| MBA at a top schoolTwo-year MBA at an IIM or equivalent | ₹28,00,000 | ₹17,00,000 – ₹35,00,000 | 2 yr, from age 22 |
| Master's in the United StatesTwo-year MS, tuition and living | ₹65,00,000 | ₹43,00,000 – ₹1,20,00,000 | 2 yr, from age 22 |
| Undergraduate in the UKThree-year degree, tuition and living | ₹80,00,000 | ₹61,00,000 – ₹1,22,00,000 | 3 yr, from age 18 |
| Something elseSet your own figure | ₹20,00,000 | ₹0 – ₹0 | 4 yr, from age 18 |
Figures gathered and last verified on 16 September 2026. The calculator on this page projects them forward at 10% a year unless you change that rate. Education inflation is an assumption, not a forecast.