Plan Your Money

Free investment calculators — plan, then chat on WhatsApp.

Size your SIP, retirement corpus, child-education fund, or tax savings in seconds. Every result connects you directly to Pranay on WhatsApp with your numbers pre-filled.

SIP Calculator

Monthly SIP₹10,000

Time Period (years)15 yrs

Expected Return (p.a.)12%

Invested

₹18,00,000

Est. Returns

₹32,45,760

Future Value

₹50,45,760

Get this plan on WhatsApp

Lumpsum Calculator

Investment Amount₹5,00,000

Time Period (years)10 yrs

Expected Return (p.a.)12%

Invested

₹5,00,000

Est. Returns

₹10,52,924

Future Value

₹15,52,924

Get this plan on WhatsApp

Goal SIP Calculator

Target Corpus₹1,00,00,000

Years to Goal15 yrs

Expected Return (p.a.)12%

Target

₹1,00,00,000

Monthly SIP Needed

₹19,819

Get this plan on WhatsApp

Retirement Calculator

Current Age30 yrs

Retirement Age60 yrs

Current Monthly Expense₹50,000

Inflation (p.a.)6%

Expected Return (p.a.)12%

Retirement Corpus

₹8,61,52,368

Monthly SIP Needed

₹24,406

Get this plan on WhatsApp

Child Education Planner

Today's Cost of Education₹25,00,000

Years Until Needed15 yrs

Education Inflation8%

Expected Return (p.a.)12%

Future Cost

₹79,30,423

Monthly SIP Needed

₹15,717

Get this plan on WhatsApp

ELSS Tax-Saving Calculator

Investment in ELSS (yearly)₹1,50,000

Your Tax Slab30%

Years Invested10 yrs

Expected Return (p.a.)13%

Tax Saved / yr

₹45,000

Future Value (one yr's investment)

₹5,09,185

Get this plan on WhatsApp

Loan Against Mutual Funds

Current Portfolio Value₹10,00,000

Loan-to-Value (up to 70%)45%

Interest Rate (10.49% @45% LTV · 10.75% @70% LTV)10.49%

Loan Tenure (up to 6 years)12 months

Expected Portfolio Growth (p.a.)12%

Eligible Loan Amount

₹4,50,000

Interest / month

₹3,934

Total Interest (12 mo)

₹47,205

Portfolio if you stay invested

₹11,20,000

Charges & Highlights

• Provider: DSP Finance · Loan amount ₹10,000 – ₹5 Cr · Tenure up to 6 years.
• Processing fee: ₹999 + GST (one-time). Limit enhancement fee: ₹499 + GST per enhancement.
• AMC (annual maintenance) charges: ₹499 + GST every year — approx ₹589 for 12 months.
• Foreclosure charges: Zero — repay any time without penalty.
• Units stay invested — you keep growth, dividends and compounding.
• Interest is charged only on the amount you actually use (overdraft style).
• No redemption means no capital gains tax and no exit load.

Fees above are indicative and excluded from the interest figures shown.

Get this plan on WhatsApp

Home Loan Prepay vs Mutual Fund Investing

Home Loan Amount₹1,50,00,000

Loan Tenure (years)20 yrs

Home Loan Interest Rate8.5%

Amount Available (prepay or invest)₹20,00,000

Expected MF Return (p.a.)12%

Tax assumptions

Apply LTCG tax on mutual fund gainsEquity LTCG on redemption at maturity

LTCG Rate12.5%

Apply home loan interest deduction (Sec 24b)Up to ₹2,00,000 interest per year at your slab rate

Your Tax Slab30%

Your EMI

₹1,30,173

Loan closes in (Option A)

14y 7m

Option A · Prepay now

Interest paid: ₹97,80,360
EMI invested for 65 months after closure
Corpus built: ₹1,19,55,916
LTCG tax: −₹4,36,830
Tax saved on interest: +₹8,75,000

After-tax net ₹26,13,726

Option B · Invest lumpsum

Interest paid: ₹1,62,41,636
Lumpsum grows for the full 20 years
Corpus built: ₹2,17,85,107
LTCG tax: −₹24,73,138
Tax saved on interest: +₹12,00,000

After-tax net ₹42,70,332

Better option — Investing in mutual funds

Ahead by ₹16,56,606

Sensitivity mode

Sweep MF returns and tax assumptionsSee break-even returns where investing starts to beat prepaying

Both options are compared at the end of the original 20-year tenure. After-tax net = corpus − LTCG tax − total loan interest + tax saved on interest. LTCG is applied on total gains at redemption (₹1.25 lakh annual exemption and indexation are ignored); Sec 24b relief assumes you can use the full eligible deduction each year. Prepayment charges and Sec 80C principal benefit are not included. Mutual fund returns are illustrative, not assured.

Get this plan on WhatsApp

Numbers are just the start.

Real wealth comes from a plan that's reviewed, rebalanced and aligned to your life. Let's build yours together.

Chat with Pranay on WhatsApp

Calculators are for illustration only. Actual returns vary with markets. Mutual funds are subject to market risk.