Financial Calculators | Universal Money Mart
AMFI Registered ARN: 288927 | EUIN: E543710 GST: 29BWRPV6671C1ZQ
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🧮 8 Free Calculators

Plan Your
Financial
Future Today.

Interactive SIP, Lumpsum, SWP, STP, EMI, Retirement & Education calculators. See the power of compounding in real time — for free, always.

📊 SIP 📈 SIP Top-up 💰 Lumpsum 💸 SWP 🔄 STP 🏠 EMI 👴 Retirement 🎓 Education
8Calculators
FreeAlways
LiveReal-time
+TableYear-wise
Education Goal
₹28.5L
In 15 years @ 12%
SIP Corpus
₹1.17Cr
₹10K/mo × 20yr @ 12%
Retirement Corpus
₹4.2Cr
Age 30 → 60, ₹40K exp.
📊 SIP Calculator

Calculate the future value of your Systematic Investment Plan. SIP is the most disciplined way to build long-term wealth through rupee cost averaging.

Monthly SIP Amount₹5,000
₹500₹2,00,000
Investment Duration10 Years
1 Year40 Years
Expected Return (p.a.)12%
1%30%
View Year-wise Breakdown
YearInvested (₹)Returns (₹)Total Value (₹)
SIP Projection
₹13.07L Total Corpus
Amount Invested: ₹6.00L
Returns Earned: ₹7.07L
Total Invested₹6.00 L
Wealth Gained₹7.07 L
Maturity Value₹13.07 L
Absolute Return117.8%
📈 SIP Top-up Calculator

Step-up SIP increases your monthly investment by a fixed % every year — matching your salary hike. This dramatically accelerates wealth creation.

Initial Monthly SIP₹5,000
₹500₹1,00,000
Annual Top-up %10%
5%50%
Duration10 Years
1 Year40 Years
Expected Return (p.a.)12%
1%30%
💡 Tip: Matching your annual salary hike (10–15%) with a SIP top-up is the most powerful wealth creation strategy for salaried individuals.
View Year-wise Breakdown
YearSIP Amount (₹)Invested (₹)Total Value (₹)
Step-up SIP Projection
₹--Total Corpus
Total Invested: ₹--
Returns: ₹--
Total Invested₹--
Final Month SIP₹--
Maturity Value₹--
💰 Lumpsum Calculator

Calculate how much a one-time investment will grow over time. Great for bonus amounts, inheritance, or windfall money — put it to work instantly.

Lumpsum Amount₹1,00,000
₹1,000₹1 Crore
Duration10 Years
1 Year40 Years
Expected Return (p.a.)12%
1%30%
View Year-wise Breakdown
YearInvested (₹)Returns (₹)Total Value (₹)
Lumpsum Projection
₹3.10LTotal Corpus
Invested: ₹1.00L
Returns: ₹2.10L
Amount Invested₹1.00 L
Wealth Gained₹2.10 L
Maturity Value₹3.10 L
Absolute Return210.6%
💸 SWP — Systematic Withdrawal Plan

SWP lets you withdraw a fixed amount every month from your mutual fund corpus. Perfect for retirement income or regular cash flow without disturbing your investment.

Initial Corpus₹50,00,000
₹1L₹5 Crore
Monthly Withdrawal₹25,000
₹1,000₹5,00,000
Expected Return (p.a.)10%
1%20%
View Year-wise Breakdown
YearWithdrawn (₹)Returns (₹)Balance (₹)
SWP Analysis
-- YrsCorpus Lasts
Total Withdrawn: ₹--
Corpus Earned: ₹--
Initial Corpus₹50.00L
Monthly Withdrawal₹25,000
Total Withdrawn₹--
Corpus Lasts-- Years
🔄 STP — Systematic Transfer Plan

STP transfers money from a Debt/Liquid fund to an Equity fund monthly. Ideal for investing a lumpsum gradually — reduces timing risk while earning debt returns on idle money.

Lumpsum in Debt Fund₹5,00,000
₹10K₹1 Crore
Monthly Transfer Amount₹25,000
₹1,000₹2,00,000
Debt Fund Return7%
4%12%
Equity Fund Return13%
8%25%
STP Analysis
20 MoTransfer Duration
Equity Corpus: ₹--
Debt Earnings: ₹--
Transfer Duration-- Months
Debt Fund Earnings₹--
Equity Corpus₹--
Total Value₹--
🏠 EMI Calculator

Calculate your monthly EMI for home loan, car loan, personal loan or any other loan. Understand total interest paid and plan smarter.

Loan Amount₹30,00,000
₹10K₹5 Crore
Interest Rate (p.a.)8.5%
5%30%
Loan Tenure20 Years
1 Year30 Years
View Year-wise Amortization
YearPrincipal (₹)Interest (₹)Balance (₹)
Loan Breakdown
₹26,035Monthly EMI
Principal: ₹30L
Total Interest: ₹32.48L
Monthly EMI₹26,035
Principal Amount₹30.00L
Total Interest Paid₹32.48L
Total Payment₹62.48L
👴 Retirement Corpus Calculator

Find out exactly how much corpus you need for retirement and how much to invest monthly to achieve it — accounting for inflation and life expectancy.

Current Age30 Years
2055
Retirement Age60 Years
4570
Monthly Expenses Today₹40,000
₹10K₹5L
Expected Investment Return12%
6%20%
Inflation Rate6%
3%12%
Retirement Plan
₹4.24CrCorpus Needed
Total Invested: ₹--
Returns Earned: ₹--
Years to Retire30 Years
Future Monthly Expense₹--
Corpus Required₹4.24Cr
Monthly SIP Needed₹--
🎓 Education Planning Calculator

Plan for your child's higher education, abroad studies or professional degree. Education inflation is ~10% per year — start planning early!

Current Education Cost₹10,00,000
₹1L₹2 Crore
Child's Current Age5 Years
017
Education Start Age18 Years
1525
Education Inflation10%
5%15%
Investment Return12%
6%20%
Education Goal
₹--Goal Amount
Total Invested: ₹--
Returns Earned: ₹--
Years to Save13 Years
Future Education Cost₹--
Monthly SIP Needed₹--
Or Lumpsum Now₹--
⚠️

Disclaimer: All calculations are for educational and illustrative purposes only. Returns shown are indicative and based on assumed rates — actual returns may vary. Mutual Fund investments are subject to market risks. This tool does not constitute investment advice. ARN: 288927 | EUIN: E543710 — Vignesh Dhayalan, AMFI Registered MFD. For grievances: scores.gov.in

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