ChartFundas Tools
Financial
Calculators
Everyday tools for smarter financial decisions
📈 SIP
🔢 Compound Interest
🏠 EMI
📉 Inflation
🎯 Retirement
🧾 GST
💱 Currency
SIP Details
Monthly SIP Amount
₹5,000
₹500
₹1 Lakh
▲
▼
Expected Annual Return
12%
1%
30%
▲
▼
Investment Duration (Years)
10 Yrs
1 yr
40 yrs
▲
▼
💡 ChartFundas Tip
Nifty 50 has delivered ~12% avg annual returns over 20 years.
Your Results
Total Corpus at Maturity
₹11.62 L
Amount Invested
₹6.00 L
Returns Earned
₹5.62 L
Return on Investment
93.6%
↗ 1.9x your money
Invested
Returns
Investment Details
Principal Amount
₹1.00 L
₹1,000
₹1 Cr
▲
▼
Annual Interest Rate
10%
1%
30%
▲
▼
Time Period (Years)
10 Yrs
1 yr
40 yrs
▲
▼
Compounding Frequency
Yearly
Half-Yearly
Quarterly
Monthly
Your Results
Maturity Amount
₹2.71 L
Principal Invested
₹1.00 L
Interest Earned
₹1.71 L
Effective Return
171%
↗ 2.7x your money
Principal
Interest
Simple Interest would give
₹2.00 L
Compounding earns you
₹71K more
Loan Details
Loan Amount
₹10.00 L
₹10K
₹10 Cr
▲
▼
Annual Interest Rate
8.5%
1%
24%
▲
▼
Loan Tenure (Years)
20 Yrs
1 yr
30 yrs
▲
▼
Your Results
Monthly EMI
₹8,678
Principal
₹10.00 L
Total Interest
₹10.83 L
Total Payment
₹20.83 L
Interest %
52%
Principal
Interest
You pay ₹10.83 L as interest
Inflation Details
Current Amount / Cost
₹1.00 L
₹1,000
₹1 Cr
▲
▼
Annual Inflation Rate
6%
1%
20%
▲
▼
Time Period (Years)
10 Yrs
1 yr
40 yrs
▲
▼
💡 India Inflation Context
India's average inflation has been ~6% over the last 10 years. RBI targets 4%.
Inflation Impact
Future Cost of Same Item
₹1.79 L
What ₹1,00,000 costs in 10 years
Today's Value
₹1.00 L
Value Lost to Inflation
₹79,085
Purchasing Power Lost
44%
Your money loses 44% value
To maintain value, invest at least
6%+ per year
Retirement Planning
Current Age
30 Yrs
18
60
▲
▼
Retirement Age
60 Yrs
40
70
▲
▼
Monthly Expenses Today
₹30,000
₹5K
₹5 L
▲
▼
Expected Return on Investment
12%
4%
20%
▲
▼
Retirement Goal
Corpus Needed at Retirement
₹5.44 Cr
Years to Retirement
30 years
Monthly Expenses at Retirement
₹1.72 L/mo
Monthly SIP Needed Now
₹3,268/mo
Start ₹3,268/month SIP today
Assumes 6% inflation & 25 years post-retirement.
GST Details
Enter Amount (₹)
Amount Type
Exclusive — Add GST to this amount
Inclusive — Extract GST from this amount
Select GST Rate
0%
5%
12%
18%
28%
📋 Common GST Rates in India
0%
— Essential food, education
5%
— Packaged food, transport
12%
— Processed food, clothes
18%
— Most goods & services
28%
— Luxury items, tobacco
GST Breakdown
Total Amount (with GST)
₹1,180
Original Amount
₹1,000
GST Amount
₹180
CGST
₹90 (9%)
SGST
₹90 (9%)
GST Rate Applied
18%
Tax as % of Total
15.25%
GST of ₹180 added
Currency Converter
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