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Free calculators for investing, saving, borrowing and retirement. Instant results in any currency, right in your browser.

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12+Calculators
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What are you planning for?

Pick your goal

Grow my money

SIP, lumpsum & mutual fund calculators

Plan for retirement

Retirement & FIRE calculators

Build an emergency fund

Size your financial safety net

Plan a loan

EMI & loan affordability calculators

Understand my salary

Take-home pay & salary hike

The full toolkit

All calculators

Each calculator includes interactive charts, worked examples and clear explanations of the maths.

Why use this

Built for real people

Completely private

Every calculation runs in your browser. Your numbers are never sent to any server.

Instant results

Results update as you type. No loading, no waiting.

Any currency

Switch between USD, EUR, GBP, INR, AED and SGD with one click.

Free, always

No subscription, no sign-up, no ads in the calculator itself.

Frequently asked questions

What financial calculators are available?
MyFundCalculator has 12 free calculators: SIP, Lumpsum, CAGR, Mutual Fund Returns, Emergency Fund, Retirement, FIRE, Inflation, EMI, Loan Affordability, Salary Hike and In-Hand Salary. Each comes with interactive charts and a worked explanation.
Are the calculations accurate?
The calculators use standard financial formulas — annuity-due for SIP, compound interest for lumpsum, the 4% rule for FIRE, and so on. Results are planning estimates based on the inputs you provide; actual returns will vary because market rates change over time.
Is my financial data stored or shared?
No. Everything runs client-side in your browser. We do not receive, store or share any of the numbers you enter. The only data we collect is anonymous usage analytics via Google Analytics.
Which currencies are supported?
USD, EUR, GBP, INR, AED and SGD. Use the currency selector in the header — the calculator and charts update instantly. The underlying maths is currency-neutral.
What expected return should I use for a SIP or mutual fund calculator?
For diversified equity funds over long horizons, many investors model 10–12%. For hybrid or debt funds, 6–8% is more realistic. Use a conservative figure to understand the downside scenario — then check the optimistic one.
How does the FIRE calculator work?
It uses the 4% safe withdrawal rule as a default: your FIRE number is 25× your annual expenses. You can adjust the withdrawal rate to model different scenarios. The calculator also shows how many years your current savings need to grow to reach the target at your assumed return.
Can I use these calculators for Indian mutual funds (SIP in ₹)?
Yes. Switch the currency to INR in the header. The SIP, lumpsum and mutual fund calculators work identically — just enter your amounts in rupees.

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