Introducing JagoInvestor Financial Calculators

POSTED BY Jagoinvestor ON June 3, 2010 COMMENTS (92)

Readers, I was working on building some basic calculators over the last month . They are ready to use now . The calculators are very basic and have a bare minimum look and feel , but works !! .

Please use them and provide any changes you feel should happen . one important point you should note is that all the figures are approx and the numbers you get might differ a bit from other calculators on net as the formula’s used might be on yearly compounding or payments have been considered at the end of the period rather than start . So don’t put much thinking on the exact numbers , take them as a general approx figures , anyways how does it matter if your retirement corpus is 4.53 crores or 4.58 crores !! πŸ™‚

Financial calculators

Look at this page for all the calculators listed at one place . Below is the list of all the calculators

Provide your Feedback Please . What can be done for Improvements ? Any other calculators you want ?

92 replies on this article “Introducing JagoInvestor Financial Calculators”

  1. Asad says:

    Hi Manish,

    Is there a calculator which shows the final corpus taking into account not just increasing SIPs but also expense ratios?

    Many thanks,


  2. Abani says:

    Dear Sir,
    I want to received Rs25 lakhs/- after 10 years.Expected rate of return is 12% pa. How much monthly SIP is required, if I increased SIP amount at 5% every year.

  3. Abdul says:

    Hey Manish,
    good job! much appreciated. can you get one more calculator for monthly expenses / household budget? πŸ™‚
    look forward to hear from you soon.

    1. Abdul

      Please explain what do you want the calculator to do . what is the input and what is the output


  4. Avinash Gokhale says:

    Dear Manish,
    Its really great thing you are doing by serving Indian society to become Financially aware .Its really very useful. Kindly advice me how I can down load these calculator on my PC ?

    1. Avinash

      You cant download them .. they are webbased


  5. pradyut says:

    Dear, Manish i want to see my SBI PPF account details month by month online basic in my own computer. How it possible?

    1. Pradyut

      Its a good question for our forum , ask there .. people will know how to do that


  6. suresh says:

    i am suresh .. can u tell the premium investing amount calculation based on Nav and units and percentage,,
    i have no idea to calculate the investing amount,that how much amount i got profit for 1 year.. any example plz provide me..


    1. Suresh

      can you rephrashe your questions again and with more clarity


  7. Ajay says:

    @Domnic, You can use a combination of Future Value of One time Payment and the SIP Calc and add the results.

    1. Dominic says:

      Thank you Ajay and Manish.

  8. Dominic says:

    I am looking for calculators that considers amount already invested in a fund. For example I have 1lakh in in XYZ fund and I’ll SIP 3K per month for another 10 years. Can I do this calculation with any of the above calculators.


    1. You can combine one time investment calculator for your money already invested and SIP calculator for SIP and add the amount you get from both


  9. venu says:

    Can you help me understand how to calculate CAGR for SIP investments. Say for SIPs running from last 3 years


    1. Venu

      You have to use something called IRR for this , See my article on IRR

  10. venu says:

    Hi Manish

    Thanks for providing these calculators and they are pretty useful.

    Have suggestion for the EMI calculator.

    Can you include a feature for caluclating the Tax savings (principal & interest) for every year, for the complete Loan tenure.

    Also just curious to know, how are you able to manage your time with this work (blogging, doing research about the products,preparing calculators, responding to queries…), in addition to your regular job.

    Probably u can share a article on Effective Time Management πŸ˜‰


    1. Venu

      Thanks πŸ™‚ . Will try to add the feature in future but not now due to constraints .


  11. Ajay says:

    There is something wrong in my understanding, data I provided or the calculations
    Increasing SIP Calculator
    Monthly Investment: 2000
    Yearly % increase in SIP: 0
    Return Expected : 15
    Total Duration (Years) : 10

    The final Corpus is
    Final Corpus : 487289
    SIP Calculator
    Monthly Investment : 2000
    Return Expected : 15
    Total Duration (Years) : 10

    The final Corpus is
    Final Value : 557315

    There is difference of 70026. Let me know if I am doing anything wrong.

    PS: Just was testing with different data and observed this.

    1. Nope . the problem is one calculator is assuming monthly investment and other is assuming yearly investment .


  12. Prashant says:

    Hi Manish,
    Do you have a calculator which calculates individual returns of SIP as well as the consolidated returns on the SIP invested.
    Else if there is any formula ,let me know


    1. Prashant

      Have not built that calculator now , but will make it soon . For now you can use only and see what rate of interest fits in your numbers and satisfys your equation πŸ™‚


  13. Pavan Kulkarni says:

    Quick suggestion. Not sure if it is feasible for you. For the Increasing SIP Calculator, in addition to return, if you can also provide how much the user ends paying/investing every year it will be helpful. It is easy to calculate say for 3-4 yrs. But if the tenure is, say 15 or 20 yrs. Very tough. Say I’m doing SIP of Rs 1000 per month. I want to continue doing it for 20 yrs and target a 10% increase anually. In the 15th year how much will I need to invest? User will need it to know if such an amount of investment is practically achievable or not.

    And again, thanks for all the great work!

    1. Pavan

      Thanks for suggestion , I will include it later, however why do you say “practically acheiveable” ?

      As your income increases , your income after 15 yrs might be 4X of what you have today , at that time your investments will also be 4X , its all number game and how it affect our mind .


      1. Pavan Kulkarni says:

        I partly agree with you Manish. However, as time passes by your expenses & commitments as well increase. It’s never easy to pledge X amount for next 20 yrs (though that is the ideal situation). Adding to that the uncertainity of world economy makes things worse. Especially for people in Software industry, most of the bigwigs in India are dependent on either US or Europe for their revenues. And going by the way these countries are deep in debt, the future doesn’t look bright.

        Hence, my view that if I’m doing increasing SIPs I have to be practical on how much I can invest. I should atleast know how much I will be required to invest, say in 13th year. I can then review my pay structure and see if it is increasing accordingly or not.

        1. Pavan

          hmm.. in that case you can put 3-4% increase in the salary even if its 8% . I will try to accomodate it in calculator


          1. Pavan Kulkarni says:

            Thanks Manish!

            Quick question: Is there a way that everytime I try to comment I don’t have to enter my name and email? Any logins available on the site?

  14. Pavan Kulkarni says:

    Excellent job Manish! Thanks for all the good work!
    What should be the ideal return that I should consider while calculating returns if I’m invested in equities (say MF) for a period of 20+ yrs?

    1. Pavan

      You can expect around 12%


  15. Vishu says:

    Manish…Great work once again…all calculator at one place makes life so simple…very useful…

  16. Krishna says:


    It is working now thanks for fixing it. But the values are scary though. I calculated by using 10%inflation for present and post retirement.Ideally how much you should take?

    1. Krishna

      I think you should not take more than 7% . Over a long term inflation should not increase much as we go forward to become more developed country .


  17. Rajesh R Subramanian says:


    Many thanks for these calculators. Keep your good job up.

    1. Rajesh

      Welcome πŸ™‚ . Suggest more calculators


  18. Mahesh Gaur says:

    Dear Manishji,

    calculators are very good but only problem is that on some calculators it shows only 6 digits whereas actual value is in more than 6 digits, please rectify

    eg SIP caluclator as follows: shows 189763 instead of 18976351

    1. Will fix it asap .


  19. drkhann says:

    Dear Manish
    Wonderful job ! Keep it up
    Just a suggestion.. I think you need to add a present value calculator..
    For example what is the value of Rs 5 crores after 20 years now..

    1. Sure

      Added in the todo list .


  20. Dear Manish, May I post ur calculators link ( on my blog?

    I check some of ur calculator & find these very nice. So I thought, I should post the link on my blog for the benefit of others who r reading my blog. Of course I’m also mentioning ur name & site address too, with ur due permission.



    1. yes , you can


  21. drkishan says:

    commendable effort indeed. u have served at one place, all that may be needed by any investor in his/her lifetime. thats why you have a greater fan following than any other financiology website.
    one thing i was wondering was how to calculate the performance of a product. suppose that i have been investing “x” amount of money in a scheme at regular intervals in the past and now the value is “y”. then how can i calculate the return(in rate%) this product has given me over this period. the payment interval can be monthly, quarterly, yearly, anything.
    actually this question arises if the investor himself wants to assess a product and compare with other products. the comparison is generally talked about in terms of “rate” correct?
    For example to assess a mutual fund over another mutual fund we will have to calculate the return both have generated when we have been investing as SIP. do u have any calculator for this or can u design one for us.

    would like to thank u again the great work u are doing

    dr kishan

    1. Kishan

      I will design one soon , for now you can use the same SIP calculator and feed in different values of Rate to find out what value of rate satisfies your number .


    2. Parthos says:


      You can check performance of investments with help of IRR and XIRR formula in excel.
      Manish has a good article on this


      1. Parthos

        Thanks for helping πŸ™‚ .


  22. DM says:

    Wao Manish .. These all look great .. I personally like the Future value of SIP and Increasing SIP one. Amongst your comments, the response to Naresh was good. Maybe you could do an article for people who are new into jobs and are uncertain of their earnings , responsibilities and lifestyles. So an investment approach for such cases would be appreciable.


    1. Dhruv

      Thanks , I have drafted a new post for that , will write on that


  23. Murali Krishnan says:

    Its really great work manish… thumbs up to you..
    As a personal finance learner i have seen many financial calculators from different big sites, buy yours is different, practical and very helpful. One such difference i can see, in retirement planning you have included two parameters like expected retirement life and expected rate of return. In all calculator which i have seen earlier stops up to retirement. You had the insight to see the life after retirement which is fantastic since there much life after retirement.

    Thanks for your work and its very helpful for lay investors like me.

    Some suggestions.
    1. While calculating returns, we could include tax parameters. User could be given choice of entering tax rate (like 20%, 30%) and returns could be given without tax and after tax
    2. Calculators related to home loans ( emi calculation, foreclosure calculation, rental yields etc)
    3. Simple inflation calculator like value of money after fixed period after including inflation

    1. Murali

      Thanks , here are the answers

      1) The reason i dont want to include tax is that in that case it will become too much complicated , tax rules are ever changing .
      2) I have EMI calculator there , will include more in future πŸ™‚ as you suggested
      3) You can use the one for future value after inflation , its the same thing πŸ™‚

      please forward the calculators to more and more people you know πŸ™‚


  24. gee says:

    Good articles and calculators. The idea that a person has got to save in time right from beginning is important. The time value of money and compounding power is a very significant fact which all investors must keep in mind.Remain invested for long periods of time.I fyou plan early a significant corpuis can be built up.

    1. Gee

      Yes , definately , what you said is the core of the financial planning , Early investing is as important as every other thing .


  25. Marshal says:

    Nice work manish, i like all calculators, very useful
    are you planning for excel version, it will allow us to add some specific calculations and for record keeping and monitoring excel would be great.

    1. Marshal

      Not planning for excel one for now . Will do it later some time , why dont you build one and we can share it with others .


      1. Marshal says:

        no props, will try excel version!
        i thought you might have prepared one to test the formulas.. anyways.. thanks..

  26. Digamber says:


    Dear Manish,

    I am regular reader of Jagoinvestor, and really enjoying all the articles, and have interest to keep eye on money growth. I love to read the blog like Jagoinvestor.

    On the yesterdays article I found very useful to common person. And have checked following in IE7. below are the comments with snapshots for your reference

    Future Value of One time Payment –
    One Time Investment Required Calculator –
    CAGR Return Calculator –
    Constant SIP Calculator –
    Increasing SIP Calculator –
    Future Value of SIP Payments –
    Goal planner –
    EMI Calculator –
    Retirement Calculator – there is NO place to put value (we can put the value but it is not visible need to fix with width of input area)
    Insurance Calculator – there is NO place to put value (we can put the value but it is not visible need to fix with width of input area)
    Gfactor Calculator –

    Thanks a lot for all your efforts to share your knowledge.

    Keep up the good work. God bless you.

    Best Regards

    1. Digamber

      Yes, I will be fixing it soon . Thanks for pointing out . Please send across the links to all your friends .


  27. Sumit says:

    Hi Manish,

    These are all the calculators I was looking for.
    Great help..Thanks.

    Please do somethong about the screen layout. In IE the entry and results fields are not properly formatted.

    Nevertheless, a very simple yet highly effective work.

    Thanks once again.

    1. Sumit

      I will fix it today .


  28. chandra says:

    really good article and helps for common man

    1. rishabh parakh says:

      hey Manish,

      great effort by putting up so many relevant and very useful calculators.

      great work buddy

    2. Thanks chandra

      Any suggestions for more calculators ?


  29. Avi says:

    Neat! All the calculators that I need.

    Retirement and Insurance calculators have the compressed width issue. I am on Windows XP/ IE 7.


    1. Can you check now ? I fixed something , send me a screenshot if it still does not work

      tag dont work on IE ? Can you suggest the solution using firebug ?


      1. Avi says:

        Hey Manish

        I sent you a mail with the screenshot. Retirement calculator looks good to me today but insurance calc is still broken. I noticed you fixed the width of the text fields on the retirement calc which solved the problem. You can probably apply same fix to ins calc.


  30. Krishna says:


    In the retirement calculator windows size is not enough.When we enter the data we cannot see what we have enter.

    1. Krishna

      Can you check now ? I fixed something , send me a screenshot if it still does not work


  31. Seema says:

    Great work Manish !
    The examples given by you with each calculator is of great help in understanding them.
    I have one query.In retirement planning,one should take into account the future value of PF,PPF,Gratuity etc. and then derive the monthly investment required to build up the retirement corpus.What do you think?

    1. Seema

      Yes , I think you are right . Will add that in the calculator soon .


  32. Naresh says:

    Hey Manish,

    First of all, congratulations for such an informative website. I have scanned most other sources on Internet and I think your’s rate the best. I am an MBA from a premier B-school in India and it’s unfortunate that even B-schools doesn’t address properly the basic things in Personal Finance that you have so wonderfully explained.

    Now, I have few question that you may wish to address directly or perhaps in a dedicated post. Just out of my B-school, I will be drawing a handsome salary in my first job (~1.25 Lakh+ a month) and hence can afford to save 50,000 a month after paying my loans etc. Further, I am involved in couple of start-ups that provide me a decent seasonal cash flows. Going by the book, I can look to build a diversified MF portfolio (ELSS, Equity Diversified, Debt funds, ETF’s) with an increasing monthly SIP. However, I feel most of the suggestions on personal finance are for people with a stable life and cash inflow. I might be little different here.

    I can’t be sure about this monthly inflow forever – I might take an entrepreneurial plunge in couple of years or involve in equity investments in start-ups. Other dimension is I might see a significant spike in salary intake – Shifting roles or relocating abroad etc. Finally, marriage is also on cards which would mean a changed equation. I am also not sure what kind of lifestyle I might have at end of my career (CXO positions / Owner of company / Complete Broke πŸ˜› ), so its hard to estimate corpus needed for retirement. I understand many people face such issues but I guess ambitious people like me would fall on right side of the curve. Also, perhaps these are the uncertainties intimidate youngsters to involve in long term planning which each financial planner rebuke.

    Can you suggest an appropriate approach to build a long term corpus while factoring in the such and many more uncertainties? I shall certainly be interested in investing in easily liquid-able assets (to help facilitate my entrepreneurial dreams if situation commands) and at the same time balancing the lock-in (to get better returns n reduce risks). I am both bit confused and overwhelmed by these contradicting thoughts. Perhaps, your response / post can help me a long way.

    Cheers and Keep up the great work !!

    1. Naresh

      Thanks , will give you quick solution , there is very intutive way out for this situation . As you are going to have strong cash flows in initial years and then unstable inflows , the best thing would be to heavily invest and save in initial years , You should save more than 50k as you mentioned . The point is to make room for future cash flows asap .

      So you have to make 2 things

      1) Emergency funds
      2) Corpus for income in unstable cashflow life .

      In 5 yrs, by investing 50k per year , you should be able to make a corpus of 40 lacs , which should be able to provide you a montly income of 30k per month from 5th year onward , this will make sure you are not hungry and have some roof over the head πŸ™‚ , so that you can take your risks in life . Also the seasonal money you will be getting in between from your startup ventures should go in building emergency funds so that if one day suddenly you need 3 lacs for some thing , you can dip in this emergency fund . If things fail you always have that cushion to take risk . But if things are good as expected then congrats πŸ™‚

      To build the corpus , you first need to make sure what is the maximum risk you can take , you should start SIP in Balanced funds and couple of Debt oriented funds , incaase you return expectation are 10-11% which is fine . If you are a super risk taker , try investing in pure equity and equity funds , and in 3-4 yrs you can try some real estate trading πŸ™‚ . If you will be good at this , you can build more than 60-70 lacs , however I would say dont think too loud πŸ™‚

      PS : “to help facilitate my entrepreneurial dreams if situation commands” , Situation are never right in life , dont make it a choice, make it a part of your plan , and go for it .


  33. caribou says:

    What a great work. I’m sure that these calculators must become useful for me.

    1. caribou

      Thanks , would you like to recommend some calculator ?


  34. Bhargavi says:

    Hi Manish,

    I am able to view the calculator but not able to use as there is no space to enter the amounts.


    1. Can you send me screen shot , which OS + Browser ?


      1. Venshu says:

        My OS is Windows 7 Home Premium and Browser is IE8. I am facing the same problem as Bhargavi above – no space to enter the amount / value in the retirement planner calculator.

        1. Venshu

          Thanks for reporting this issue , will fix it asap .


          1. Venshu says:


            No change in the retiremennt claculator – as of 0015 hrs IST 5th June. I have e-mailed you the screen shot.

        2. Venshu

          Can you check now ? I fixed something , send me a screenshot if it still does not work


          1. Venshu says:


            The retirement calculator is ok now – with enough column width to type values in. This is as of 1200 hrs 5th June.


      2. Rakesh says:

        Hi Manish,

        First of all Great Work. thanks…
        I think its some setting problems with IE, even i too could not view
        the screen properly, the coulumn kindoff shrink, however it works fine with Mozilla.


        1. Can you check now ? I fixed something , send me a screenshot if it still does not work


  35. Bhargavi says:

    Hi Manish,

    Been following your site for sometime…has been a great place to learn as i am a beginner in Financial planning…
    The SIp calculator has been very helpful…
    Unable to use the retirement calculator as there is no place to enter values…
    Thanks for the effort anyways…,keep helping us out

    1. Bhargavi

      thanks , why are you not able to view retirement calculator : , is there any issue with it ?


    2. Bhargavi

      Can you check now ? I fixed something , send me a screenshot if it still does not work


      1. Bhargavi says:

        Hi Manish,

        sorry for the late response, checked just now…its usable now…


        1. Great

          thanks for the reply πŸ™‚ , so which calculator was your favorite πŸ™‚


  36. Vinod says:


    Have just checked a few – but they look awesome.
    One suggestion, if I may – increase the table width to accomodate numbers in lakhs as sometimes it is breaking. Will look at it carefully later on and add anything else that I notice.


    1. Vinod

      Which one is breaking ? Which browser ? I checked all on mozilla and I didnt see any thing breaking .. can you send me screenshot ?
      that will help


  37. Mukul says:

    Great work Manish,
    very helpful. plz keep up the good work.

    1. Mukul

      Thanks man , any suggestions for other calculators πŸ™‚


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