Unbiased Models
Compare investments with mathematical precision.
No paywalls, no advisory bias. Instantly evaluate EPF, PPF, mutual funds, and gold to optimize your long-term asset allocation.
Four assets. Clear formulas.
We break down the core parameters of India's primary savings vehicles so you can make math-backed allocation choices.
EPF
PPF
Mutual Funds
Gold
8.25%
Current Return Rate
7.10%
Guaranteed Return
12-15%
Historical Avg
8-10%
Long-term CAGR
Compulsory retirement savings offering stable government-backed interest and completely tax-free maturity proceeds.
Sovereign-backed long-term savings with a fixed lock-in, excellent tax benefits, and risk-free compounding.
Market-linked investment vehicles offering high long-term growth potential with varying degrees of equity risk.
Traditional safe-haven asset acting as a reliable inflation hedge and portfolio stabilizer during market volatility.
Making your money grow requires more than just saving — it requires knowing exactly where to put it and how much it will grow over time. CalcTool's Investment Tools page gives you three powerful free calculators to plan, compare and optimise every rupee you invest.
SIP Calculator
A Systematic Investment Plan is the smartest way for a salaried Indian to build long-term wealth. Our SIP Calculator shows exactly how your monthly investments grow over time using the power of compounding. Enter your monthly SIP amount, expected annual return and investment period — and instantly see your total wealth, returns earned and year-by-year growth.
You can also model a step-up SIP where your investment increases by a fixed percentage every year as your income grows — this single feature can dramatically increase your final corpus compared to a flat SIP amount. Current equity mutual funds in India have historically delivered 12% to 15% annual returns over long periods, making SIP one of the most effective wealth-building tools available to ordinary Indians.
Investment Comparison Calculator
Not sure whether to put your money in EPF, PPF, NPS, Gold, Silver or Mutual Funds? Our Investment Comparison Calculator puts all six options side by side using the same monthly investment amount and time horizon so you can see exactly which one grows your money the most.
Each instrument is shown with its expected return, tax treatment, lock-in period and risk level — giving you a complete picture before you decide where to invest.
FD Calculator
Fixed deposits remain one of India's most trusted investments — safe, predictable and guaranteed. Our FD Calculator shows your exact maturity amount, total interest earned and effective annual yield for any deposit amount, interest rate, tenure and compounding frequency. Compare current FD rates from SBI, HDFC, ICICI and top banks all in one place.
All three calculators are completely free, work instantly in your browser and require no login or signup.