Savitr InvestmentsKnow Your Number. Before You Invest.
10 calculators. Real numbers. No jargon.
Child Investment Roadmap
Plan school, college & wedding years in advance.
02Retirement Plan
Find your real retirement number — and the gap.
03Lumpsum + SIP Growth
Mix a one-time amount with monthly SIPs.
04Smart Home Buyer
Small down payment + invest the rest, vs. paying big upfront.
05SWP Retirement Income
Turn a corpus into a monthly paycheque that lasts.
06Car Purchase & Loan
Cash vs. loan-and-invest — see the real difference.
07Find Your Independence Day
The age your money can support you, forever.
08NRI Investing in India
Country-aware notes, inflation & growth in rupees.
09SIP + Step-up Wealth Goal
Simple compounding, stepped up every year.
10Short-Term Goal (<3 yrs)
Marriage, phone, vacation — debt & arbitrage funds.
Child Investment Roadmap
Start small today, step it up every year, and let the market do the heavy lifting until your child needs it — for school, college, or their wedding.
Tell us about your child's goal
Assumes 14% p.a. return (equity-oriented, glide-path de-risked) and 6% inflation — our standard planning assumptions. SIP runs only for the years you choose; after that, the corpus simply compounds untouched till the goal.
Your Child's Corpus
| Year | Child's Age | Invested (Cumulative) | Year-End Corpus |
|---|
Meera's story
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Retirement Plan
Most people guess their retirement number. This works it out — from what you want to spend every month, to whether your current SIP is even close.
Your details
Assumes 12% p.a. pre-retirement growth, 6% inflation and 9% p.a. post-retirement (a more conservative, capital-protection portfolio).
The Retirement Math
| Milestone | Your Age | Invested So Far | Projected Corpus |
|---|
Rohit's story
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Lumpsum + SIP Growth Calculator
Got a bonus or a maturity payout, and also want to start a monthly SIP? See both working together.
How you're investing
Assumes a flat 14% p.a. return, suited to an aggressive, mostly-equity portfolio, and 6% inflation. Allocation shown adjusts automatically to your time horizon.
Where You Land
| Year | Total Invested | Projected Value |
|---|
Priya's story
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Smart Home Buyer
Paying a huge down payment feels "safe" — but it isn't always smart. See what happens when you pay less upfront and invest the difference instead.
The house you're eyeing
"Average Buyer" is compared at a 50% down payment with nothing invested. "Smart Buyer" invests the difference in mutual funds and starts a small SWP to help cover part of the EMI.
Average vs. Smart Buyer
| Down Payment | Loan Amount | Net Monthly EMI | Total EMI Paid | MF Corpus Left |
|---|
Oviya's story
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SWP Retirement Income Planner
Turn a lump sum into a monthly paycheque — with inflation increases built in, tax on gains factored in, and an honest answer on how long it lasts.
Your corpus & needs
Withdrawal escalates every year with inflation, so your buying power stays constant. Growth compounds monthly on the balance left after each month's withdrawal — a realistic SWP, not a simple annual average.
Your Monthly Income
| Year | Age | Opening Corpus | Withdrawal | Tax (approx) | Closing Corpus |
|---|
Suresh & Lata's story
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Car Purchase & Loan Restructuring
Paying cash for a car feels debt-free. But it might be the costlier choice. Compare paying full cash vs. a small down payment plus investing the rest.
Your car & income
Cash vs. Loan + Invest
| Lender | Rate | Monthly EMI | Total Interest |
|---|
Karan's story
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Find Your Independence Day
The day your investments can pay for your life — permanently — even if you never work again. Real inflation, real emergencies, real big-ticket events. Not a fantasy number.
Your life, honestly
Assumes 13% growth while investing, 6% inflation, a 6-month emergency fund kept aside untouched, and a post-FI safe withdrawal built on a 4.5% real return (post-FI portfolio shifts more conservative). The one-off expense (wedding/house/higher education) is deducted from your corpus in year 15.
Your Freedom Number
| Year | Age | Corpus | FI Corpus Needed | Status |
|---|
Aditi's story
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NRI Investing in India
Your money grows in rupees, but your tax life happens in another country. Pick where you live — we'll prefill what usually matters for that country.
Where you live & how you'll invest
| Year | Invested | Projected Value (₹) |
|---|
Vikram's story
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General educational notes only — DTAA rules, PFIC/CFC classification and reporting requirements are complex and change. Please confirm with a tax advisor in your country of residence before investing.
Simple SIP + Step-up Calculator
The most common question we get: "If I invest ₹X every month and increase it a bit every year, what do I end up with?" Here's your answer.
Your SIP
| Year | Monthly SIP That Year | Total Invested | Year-End Corpus |
|---|
Sana's story
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Short-Term Goal Calculator
Marriage, a new phone, a vacation, a family function — anything under 3 years shouldn't sit in equity. Here we use debt & arbitrage fund assumptions instead.
Your goal
Assumes a blended ~7.2% p.a. return from a mix of debt & arbitrage funds — far steadier than equity over such a short window. Arbitrage fund gains are taxed like equity; debt fund gains are taxed at your slab rate (no indexation, post-2023 rules).
Getting There
Neha's story
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