Financial Planning Tools & Calculators
Plan SIPs, estimate loan EMIs, check home loan eligibility, project deposit maturity and compare mutual funds. Every calculator runs free in your browser with no account needed.
SIP & Returns
Grow a monthly or one-time investment
Retirement Calculator
Find the corpus you need and the monthly SIP to reach it.
SIP Calculator
Estimate returns from your monthly SIP investments.
Lumpsum Calculator
Calculate future value of a one-time investment.
CAGR Calculator
Measure the annual growth rate of your investments.
SIP Delay Calculator
See the cost of delaying your monthly SIP.
NPS Calculator
Estimate your NPS corpus at 60, the tax-free lump sum and monthly pension.
Goal SIP Planner
Find the monthly SIP a goal needs after inflation and existing savings.
Wealth Creation Calculator
See what a SIP and lump sum become, and when you cross each crore.
Child Education Calculator
Size the college fees after education inflation and the SIP that funds them.
Mutual Fund Tools
Look inside and compare mutual funds
Mutual Fund Calculator
Analyze returns from mutual fund investments.
Growth vs Dividend Mutual Fund Calculator
Compare post-tax outcomes of growth and dividend options.
Mutual Fund Tax Calculator
Capital gains tax on equity, debt and gold fund redemptions.
Compare Mutual Funds
Compare funds side by side on returns, risk, cost and holdings.
Mutual Fund Overlap Calculator
Check how much any two funds' portfolios actually overlap.
Mutual Fund Monthly Returns
See month-by-month returns for any fund as a colour-coded heatmap.
Rolling Returns Calculator
Test every start date to see how consistent a fund's returns really are.
Withdrawal & Transfer
Move money between funds or draw a regular income
Deposits
Fixed deposits and guaranteed-return schemes
Loans
Estimate loan repayments and borrowing capacityTax Saving
Work out exemptions, deductions and the tax you saveFrequently asked questions
Yes. Every calculator and tool on Dhan Saarthi is free and needs no login or sign-up. You can run any calculation instantly in your browser.
About these tools
Dhan Saarthi's calculators help you make everyday money decisions with real numbers instead of guesswork. Whether you're sizing a monthly SIP, checking how long a fixed deposit takes to mature, or estimating the cost of delaying an investment, each tool gives a clear, instant answer.
The fund research tools go a step further. Compare Mutual Funds and the Mutual Fund Overlap checker let you look past star ratings to what a fund actually holds.
All calculations run on your device. Nothing is stored and no sign-up is needed. Results are estimates for planning only and assume the inputs you provide; actual returns on market-linked products vary.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. These tools are for information and are not investment advice.