---
title: "Financial Planning Toolkit: SIP Calculator India | RupeeCase"
description: "25 free financial calculators for India: SIP, XIRR, CAGR, retirement, FIRE, goal, capital gains tax, fee drag and drawdown, each with its formula."
source_url: "https://www.rupeecase.com/learn/tools"
---

[RupeeCase Learn](/learn/)/Financial planning toolkit

# 25 calculators, each with its formula.

    A free financial planning toolkit for Indian investors: SIP calculator, XIRR, CAGR, retirement, FIRE, goal planner, capital gains tax, fee drag, drawdown and more. Each one shows the formula, a worked example and the assumptions.

* **25**calculators, one page each
* **70**more inside the modules
* **0**sign ups, nothing stored

25 calculators

01Most used

## Start with these.
[Returns and compoundingSIP calculatorEnter a monthly amount, a yearly return and a period. The calculator compounds every instalment and shows the value, the money you put in and the gain.Default result₹47.1 L](/learn/tools/sip-calculator)[Returns and compoundingXIRR calculatorType one line per date: money you put in as a negative amount, money you took out or the value today as a positive amount.Default result7.69%](/learn/tools/xirr-calculator)[Costs and feesFee drag over 20 yearsOne gross return, three fee models. See what each takes over the years and what is left.Default result₹12.6 L](/learn/tools/fee-drag-calculator)[Risk and drawdownDrawdown and recoveryA 50% fall needs a 100% gain to get back. Move the slider and watch how the cost of a fall grows.Default result42.9%](/learn/tools/drawdown-recovery-calculator)[TaxLTCG and STCG on equityEnter the buy and sell price, the quantity and how long you held. The calculator applies the rules for listed equity sold on or after 23 Jul 2024.Default result₹0](/learn/tools/capital-gains-tax-calculator)[Goal planningGoal plannerEnter a goal in today’s rupees, the years to it and what you have already saved. The planner works backwards to the monthly SIP.Default result₹40,347](/learn/tools/goal-planner)

## Returns and compounding
How money grows, and how to measure the growth you got.

[Returns and compoundingSIP calculatorEnter a monthly amount, a yearly return and a period. The calculator compounds every instalment and shows the value, the money you put in and the gain.Default result₹47.1 L](/learn/tools/sip-calculator)[Returns and compoundingStep up SIP calculatorRaise the instalment once a year by a fixed percentage and compare the result with a SIP that never changes.Default result₹82.0 L](/learn/tools/step-up-sip-calculator)[Returns and compoundingLumpsum calculatorInvest once, let it compound. See the value, the gain and how many times the money multiplies.Default result₹3.11 L](/learn/tools/lumpsum-calculator)[Returns and compoundingLump sum vs SIPSame money, two routes: all of it on day one, or equal parts over several months. See the end value of each.Default result₹37.3 L](/learn/tools/lump-sum-vs-sip)[Returns and compoundingCAGR calculatorEnter where an investment started, where it ended and how long it took. The CAGR is the one steady yearly rate that connects the two.Default result20.11%](/learn/tools/cagr-calculator)[Returns and compoundingXIRR calculatorType one line per date: money you put in as a negative amount, money you took out or the value today as a positive amount.Default result7.69%](/learn/tools/xirr-calculator)[Returns and compoundingRule of 72Divide 72 by a yearly rate and you get roughly the years it takes to double. The calculator shows the shortcut and the exact answer side by side.Default result6 years](/learn/tools/rule-of-72)

## Costs and fees
What fees and charges take out over the years, in rupees.

[Costs and feesFee drag over 20 yearsOne gross return, three fee models. See what each takes over the years and what is left.Default result₹12.6 L](/learn/tools/fee-drag-calculator)[Costs and feesExpense ratio impactTwo funds, same gross return, different expense ratios. The gap at the end is the fee.Default result₹21.1 L](/learn/tools/expense-ratio-calculator)[Costs and feesTrade cost calculatorBuy and sell the same value of shares in delivery. See each charge, the total, and the price move needed to break even.Default result₹287](/learn/tools/trade-cost-calculator)

## Risk and drawdown
How deep a fall can go, how long it takes to recover, and how to size a position.

[Risk and drawdownDrawdown and recoveryA 50% fall needs a 100% gain to get back. Move the slider and watch how the cost of a fall grows.Default result42.9%](/learn/tools/drawdown-recovery-calculator)[Risk and drawdownPosition size calculatorDecide how much of the capital one trade may lose if the stop is hit. The calculator turns that into a number of shares.Default result333](/learn/tools/position-size-calculator)[Risk and drawdownSharpe and volatilityPaste a series of monthly returns in percent. The calculator annualises the volatility and the return and works out the Sharpe ratio.Default result0.46](/learn/tools/sharpe-volatility-calculator)[Risk and drawdownTracking errorPaste the fund’s monthly returns and the index’s for the same months. The calculator measures how far apart they move.Default result0.10%](/learn/tools/tracking-error-calculator)

## Rebalancing and allocation
When to trade back to target, what it costs, and a textbook starting split.

[Rebalancing and allocationRebalance cost at 0.2%RupeeCase charges one fee per rebalance: 0.2% of the value traded. See it per rebalance, per year and over the years.Default result₹600](/learn/tools/rebalance-cost-calculator)[Rebalancing and allocationAsset allocation by risk profileChoose the largest fall in a year you could sit through. The calculator works backwards to an equity, debt and gold split that would have fallen about that much.Default resultBalanced](/learn/tools/asset-allocation-calculator)[Rebalancing and allocationDrift and rebalance bandA holding that outperforms grows past its target weight. Check the drift against a band and size the trade that would restore it.Default result23.6%](/learn/tools/drift-threshold-calculator)

## Tax
Capital gains on listed equity under the rules from 23 Jul 2024.

[TaxLTCG and STCG on equityEnter the buy and sell price, the quantity and how long you held. The calculator applies the rules for listed equity sold on or after 23 Jul 2024.Default result₹0](/learn/tools/capital-gains-tax-calculator)[TaxTax loss harvestingEnter the gains you have realised this year and the losses you could realise. The calculator applies the set off order and shows the tax saved and what is left to carry forward.Default result₹22,250](/learn/tools/tax-loss-harvesting-calculator)

## Goal planning
Goals, retirement, emergency funds and inflation, in today’s rupees.

[Goal planningGoal plannerEnter a goal in today’s rupees, the years to it and what you have already saved. The planner works backwards to the monthly SIP.Default result₹40,347](/learn/tools/goal-planner)[Goal planningRetirement plannerEnter today’s monthly expenses, your ages and returns before and after retirement. The calculator sizes the corpus and the SIP.Default result₹6.58 Cr](/learn/tools/retirement-calculator)[Goal planningFIRE calculatorYour FIRE number is 25 times a year of expenses at the age you want to stop. See how far your savings get by then at three returns.Default result₹4.04 Cr](/learn/tools/fire-calculator)[Goal planningEmergency fundAdd up the costs that cannot stop, choose the months of cover and see the target, the gap and the months to close it.Default result₹3.48 L](/learn/tools/emergency-fund-calculator)[Goal planningReal return after inflationA 12% return with 6% inflation is not 6% better off. The calculator works out the real return exactly, after an optional tax.Default result5.66%](/learn/tools/real-return-calculator)[Goal planningInflation calculatorPick an amount, an inflation rate and a number of years. See what the same things will cost and what the money will buy.Default result₹3.21 L](/learn/tools/inflation-calculator)

No calculator matches. Try SIP, tax, return, fee or retire.

70Inside the modules

## One worked calculator in every module.
Each one sits in the module that teaches the concept, with the formula explained beside it. Grouped by path.

### 01Market Foundations

* [NSE / BSE Market Hours TrackerModule 1.1](/learn/path-1/module-1-1-how-indian-stock-markets-work#calc-market-window)
* [Free Float vs Total Market CapModule 1.2](/learn/path-1/module-1-2-understanding-stock-data#calc-mkt-cap)
* [TRI vs Price Return Gap CalculatorModule 1.3](/learn/path-1/module-1-3-indices-and-benchmarks#calc-tri-price)
* [ROE and Debt Health ScorecardModule 1.4](/learn/path-1/module-1-4-reading-financial-statements#calc-roe-debt)
* [STT and Trade Cost LookupModule 1.5](/learn/path-1/module-1-5-orders-costs-taxation#calc-stt-lookup)

### 02Systematic Investing Fundamentals

* [SIP Final Value CalculatorModule 2.1](/learn/path-2/module-2-1-why-rules-beat-gut-feeling#calc-sip)
* [Factor Score Z-NormaliserModule 2.2](/learn/path-2/module-2-2-introduction-to-factors#calc-factor-zscore)
* [Sharpe Ratio CalculatorModule 2.3](/learn/path-2/module-2-3-risk-metrics-that-matter#calc-sharpe)
* [Drawdown Recovery CalculatorModule 2.4](/learn/path-2/module-2-4-how-backtesting-works#calc-cagr-dd)
* [Backtest Sufficiency CheckModule 2.5](/learn/path-2/module-2-5-building-your-first-strategy#calc-backtest-sufficiency)

### 03Factor Investing Deep Dive

* [12M-1M Momentum Score CalculatorModule 3.1](/learn/path-3/module-3-1-momentum-factor-deep-dive#calc-momentum-score)
* [Gordon Growth Justified P/EModule 3.2](/learn/path-3/module-3-2-value-factor-deep-dive#calc-justified-pe)
* [ROE Consistency ScreenerModule 3.3](/learn/path-3/module-3-3-quality-factor-deep-dive#calc-roe-consistency)
* [Beta vs Nifty CalculatorModule 3.4](/learn/path-3/module-3-4-low-volatility-factor-deep-dive#calc-beta)
* [Smallcap Premium TrackerModule 3.5](/learn/path-3/module-3-5-size-factor-deep-dive#calc-smallcap-premium)
* [Two-Asset Diversification CalculatorModule 3.6](/learn/path-3/module-3-6-combining-factors-multi-factor-construction#calc-two-asset-div)
* [Factor Cycle Phase IdentifierModule 3.7](/learn/path-3/module-3-7-factor-timing-and-cycles#calc-factor-cycle)
* [India Factor Premium EstimatorModule 3.8](/learn/path-3/module-3-8-factor-investing-india-evidence#calc-india-factor-premium)

### 04Portfolio Construction

* [Efficient Frontier Point CalculatorModule 4.1](/learn/path-4/module-4-1-modern-portfolio-theory#calc-frontier-point)
* [Position Size CalculatorModule 4.2](/learn/path-4/module-4-2-position-sizing#calc-position-sizing)
* [Rebalance Cadence Cost CalculatorModule 4.3](/learn/path-4/module-4-3-rebalancing-strategies#calc-rebalance-cost)
* [CAGR CalculatorModule 4.4](/learn/path-4/module-4-4-performance-measurement#calc-cagr)
* [Parametric VaR CalculatorModule 4.5](/learn/path-4/module-4-5-risk-management#calc-var)

### 05Advanced Quant Methods

* [Kelly Criterion CalculatorModule 5.1](/learn/path-5/module-5-1-statistical-foundations#calc-kelly)
* [Rolling Correlation Regime DetectorModule 5.2](/learn/path-5/module-5-2-time-series-analysis#calc-rolling-corr)
* [Train / Validation / Test Split HelperModule 5.3](/learn/path-5/module-5-3-machine-learning-for-alpha#calc-train-test-split)
* [Bulk Deal Significance ClassifierModule 5.4](/learn/path-5/module-5-4-alternative-data-india#calc-bulk-deal)
* [Walk-Forward Window SimulatorModule 5.5](/learn/path-5/module-5-5-out-of-sample-strategies#calc-walk-forward)

### 06Indian Financial Products

* [Bonus and Split Share AdjustmentModule 6.1](/learn/path-6/module-6-1-equity-shares-structure-rights-corporate-actions#calc-bonus-split)
* [Retail IPO Allotment ProbabilityModule 6.2](/learn/path-6/module-6-2-ipos-new-listings#calc-ipo-allocation)
* [Direct vs Regular Plan Cost CalculatorModule 6.3](/learn/path-6/module-6-3-mutual-funds-structure-types-costs#calc-direct-regular)
* [ETF Tracking Error EstimatorModule 6.4](/learn/path-6/module-6-4-etfs-how-they-work#calc-tracking-error)
* [Active vs Passive Break-EvenModule 6.5](/learn/path-6/module-6-5-index-funds-vs-etfs-vs-active#calc-active-crossover)
* [Option Breakeven CalculatorModule 6.6](/learn/path-6/module-6-6-derivatives-futures-options#calc-option-breakeven)
* [Bond Price and Yield CalculatorModule 6.7](/learn/path-6/module-6-7-bonds-fixed-income-india#calc-bond-yield)
* [REIT Yield Spread vs G-SecModule 6.8](/learn/path-6/module-6-8-reits-invits#calc-reit-spread)
* [Gold Hedge AllocationModule 6.9](/learn/path-6/module-6-9-gold-commodities-international#calc-gold-allocation)

### 07Macroeconomics and Market Regimes

* [GDP Composition DecomposerModule 7.1](/learn/path-7/module-7-1-how-to-read-indian-economy-key-indicators#calc-gdp-decomp)
* [Repo Rate Transmission EstimatorModule 7.2](/learn/path-7/module-7-2-rbi-monetary-policy#calc-repo-transmission)
* [Real Return CalculatorModule 7.3](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact#calc-real-return)
* [Currency Impact on USD InvestorModule 7.4](/learn/path-7/module-7-4-inr-fii-flows-global-linkages#calc-fx-impact)
* [Fiscal Capex Multiplier EstimatorModule 7.5](/learn/path-7/module-7-5-government-budget-fiscal-policy-market-impact#calc-fiscal-multiplier)
* [EPS Revision MultiplierModule 7.6](/learn/path-7/module-7-6-corporate-earnings-cycle-india#calc-eps-revision)
* [NBFC Credit Cost Stress EstimatorModule 7.7](/learn/path-7/module-7-7-credit-cycle-nbfc-sector#calc-credit-cost)
* [Macro Regime ClassifierModule 7.8](/learn/path-7/module-7-8-macro-regime-investing#calc-macro-regime)

### 08Behavioural Finance and Investor Psychology

* [Investor Return Gap CalculatorModule 8.1](/learn/path-8/module-8-1-why-investors-lose-introduction-to-behavioural-finance#calc-investor-gap)
* [Prospect Theory Utility CalculatorModule 8.2](/learn/path-8/module-8-2-loss-aversion-and-prospect-theory#calc-prospect-utility)
* [Daily Check-Frequency CostModule 8.3](/learn/path-8/module-8-3-cognitive-biases-overconfidence-anchoring-recency#calc-check-frequency)
* [Bubble Risk IndicatorModule 8.4](/learn/path-8/module-8-4-herd-behaviour-and-market-bubbles#calc-bubble-risk)
* [Loss Aversion Cost EstimatorModule 8.5](/learn/path-8/module-8-5-disposition-effect-and-how-to-beat-it#calc-loss-aversion)
* [Behavioural System ScoreModule 8.6](/learn/path-8/module-8-6-building-systems-that-protect-you-from-yourself#calc-system-score)

### 09Business and Corporate Analysis

* [ROIC vs WACC Moat SustainabilityModule 9.1](/learn/path-9/module-9-1-competitive-moats-understanding-durable-advantage#calc-roic-wacc)
* [Cash Conversion Ratio CalculatorModule 9.2](/learn/path-9/module-9-2-revenue-quality-and-earnings-quality#calc-cash-conversion)
* [DCF Mini CalculatorModule 9.3](/learn/path-9/module-9-3-capital-allocation-the-most-important-skill#calc-dcf)
* [Altman Z-Score CalculatorModule 9.4](/learn/path-9/module-9-4-leverage-debt-and-financial-risk#calc-altman-z)
* [Promoter Pledging Risk ScoreModule 9.5](/learn/path-9/module-9-5-management-quality-how-to-assess-it#calc-promoter-pledge)
* [Piotroski F-Score CalculatorModule 9.6](/learn/path-9/module-9-6-reading-annual-reports-for-investors#calc-piotroski)
* [Holistic Business ScoreModule 9.7](/learn/path-9/module-9-7-putting-it-together-business-analysis-framework#calc-holistic-score)

### 10Strategy Implementation and Execution

* [Slippage Impact Cost CalculatorModule 10.1](/learn/path-10/module-10-1-how-orders-actually-work-market-microstructure-india#calc-slippage)
* [Total Trade Cost CalculatorModule 10.2](/learn/path-10/module-10-2-the-real-cost-of-trading-slippage-and-transaction-costs#calc-trade-cost)
* [Broker API Rate BudgetModule 10.3](/learn/path-10/module-10-3-systematic-execution-in-india-apis-algos-and-sebi-rules#calc-api-rate)
* [Paper-to-Live Drag EstimatorModule 10.4](/learn/path-10/module-10-4-paper-trading-to-live-the-hardest-transition#calc-paper-live-drag)
* [Drift Threshold Trigger CalculatorModule 10.5](/learn/path-10/module-10-5-portfolio-monitoring-and-rebalancing-in-practice#calc-drift-trigger)
* [Strategy Capacity SizerModule 10.6](/learn/path-10/module-10-6-scaling-when-your-strategy-meets-capacity#calc-strategy-capacity)

### 11Tax and Regulatory Framework

* [Equity Tax CalculatorModule 11.1](/learn/path-11/module-11-1-equity-taxation-after-july-2024-the-new-rules#calc-equity-tax)
* [TER Drag CalculatorModule 11.2](/learn/path-11/module-11-2-tax-treatment-mfs-etfs-sgbs-bonds-and-fno#calc-ter-drag)
* [Tax-Loss Harvest Net Benefit CalculatorModule 11.3](/learn/path-11/module-11-3-tax-loss-harvesting-for-systematic-investors#calc-loss-harvest)
* [SEBI SCORES Complaint TimelineModule 11.4](/learn/path-11/module-11-4-sebi-regulatory-framework-what-every-investor-must-know#calc-sebi-complaint)
* [AIS Reconciliation HelperModule 11.5](/learn/path-11/module-11-5-ais-tis-and-itr-reconciling-your-capital-gains#calc-ais-recon)
* [Asset Location OptimiserModule 11.6](/learn/path-11/module-11-6-tax-efficient-portfolio-construction#calc-asset-location)

    Explore next

## Where to go next.

* [CalculatorFee calculator: funds, PMS and RupeeCaseWhat fees take out over the years, in rupees](/fee-calculator)
* [GlossaryInvesting glossary, 91 termsPlain word definitions](/learn/glossary)
* [BlogSystematic investing notesShort notes built on worked Indian market figures](/blog/)
* [StrategiesAll 18 RupeeCase strategiesRules, model back tests and minimums](/strategies/)

      Community

## Join my WhatsApp group.

      Scan the code, fillFill one short form, and join my WhatsApp group. Slides, sources, factsheets and the rebalance logs live there, and members join a daily Google Meet with me.

        [Sign up for RupeeCase](https://invest.rupeecase.com/signup)
        [Join the WhatsApp group](https://forms.gle/C6HMtM1Z2GfeocQV7)

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QQuestions

## About the toolkit.
Which calculators are here?25 calculators in six groups: returns and compounding (SIP, step up SIP, lumpsum, lump sum vs SIP, CAGR, XIRR, rule of 72), costs and fees, risk and drawdown, rebalancing and allocation, tax, and goal planning (goal, retirement, FIRE, emergency fund, real return, inflation). Every module also has its own worked calculator.

Are the calculators free, and is anything stored?Free, with no sign up. Your numbers stay in your browser; the only place they go is the page address, so a result can be shared as a link.

How are SIP returns calculated here?A yearly return is turned into the compound monthly rate (1 + r)^(1/12) - 1 and instalments are paid at month end. Some calculators divide the yearly rate by 12 and pay at the start of the month, which gives a higher number; each page states its convention.

Do the calculators predict returns?No. They show what a return you choose would do. Reference figures are labelled with their source and date; RupeeCase figures are model, back tested. Past or back tested returns are not a promise of future returns.

Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.