Investment calculators
Transparent maths for the decisions that actually compound. Free, no sign-up, nothing stored.
Summary
GrowIQ Capital offers free SIP, step-up SIP, SWP, STP, lumpsum, fixed deposit and goal planning calculators for Indian investors, plus a mutual fund portfolio overlap calculator. Each runs in your browser using the annuity-due and compounding formulas Indian AMCs and banks apply, and produces mathematical projections rather than assured or guaranteed returns.
SIP Calculator
Project the maturity value of a monthly systematic investment plan across any tenure and assumed rate of return.
Open calculatorP2P Crypto Tax Calculator
Buy crypto from a person instead of an exchange and you have to hold back 1% and send it to the government yourself. The fines for not knowing that dwarf the tax.
Open calculatorF&O Tax Calculator
Futures and options are business income, not capital gains. That changes the rate, makes your costs deductible, and turns a losing year into an asset worth eight years of relief.
Open calculatorIntraday Trading Tax Calculator
Intraday equity is speculative and F&O is not, so a loss in one cannot touch a profit in the other — but the restriction runs in only one direction.
Open calculatorCommodity Trading Tax Calculator
Commodity derivatives are taxed like F&O. What they add is commodities transaction tax — charged on your sales whether or not you made anything, at five different rates.
Open calculatorCurrency Trading Tax Calculator
On an Indian exchange currency is the cheapest derivative there is — no STT, no CTT. Off it, the tax is not the problem: FEMA measures penalties against the money you sent.
Open calculatorMutual Fund Switch Tax Calculator
A switch is a redemption. No money reaches your bank and capital gains still arise — unless the fund house initiated it, which is the only thing that changes the answer.
Open calculatorNRI Mutual Fund Tax Calculator
A resident pays when they file. An NRI is deducted before being paid — usually more than they owe, and the difference comes back only by filing for it.
Open calculatorGift Tax Calculator
India has no gift tax. It has section 56(2)(x), which charges the receiver — and the ₹50,000 limit is a cliff, not an allowance.
Open calculatorProperty Sale Tax Calculator
The only asset where the law lets you compute the tax twice and pay the lower — 12.5% flat or 20% with indexation, if you qualify.
Open calculatorRental Income Tax Calculator
The 30% deduction has nothing to do with what you spent — and your choice of tax regime can be worth more than everything else on the page.
Open calculatorSchedule FA Foreign Asset Disclosure Calculator
The ₹10 lakh penalty for leaving a foreign asset out of your return is flat — the same whether the asset is worth ₹2 lakh or ₹2 crore, for every year it was omitted.
Open calculatorCrypto to Crypto Swap Tax Calculator
Every swap is a taxable disposal, even though no rupees moved. And the legs that lost money are erased while the legs that gained are taxed.
Open calculatorAirdrop, Staking and Mining Tax Calculator
Crypto you earned is taxed twice — at your slab rate when it lands, then a flat 30% when you sell. And a fall between the two is never relieved.
Open calculatorCapital Gains Statement Calculator
Every sale you made this year, in one statement — and the set-off rules that decide the bill. A long-term loss cannot reach a short-term gain.
Open calculatorNFT Tax Calculator
Marketplace fees and creator royalties come out before you see the money — but you are still taxed on them. Unless your NFT falls in a narrow carve-out.
Open calculatorCrypto Tax Calculator
Under section 115BBH your crypto losses cannot offset your crypto gains. A year that broke even still owes tax — this works out how much.
Open calculatorPlatinum Tax Calculator
India has no platinum ETF, fund or bond. So every cost the gold and silver pages help you avoid is unavoidable here — and this works out what that absence costs.
Open calculatorPhysical Silver Tax Calculator
Same tax as physical gold, but a lakh of silver weighs over a kilogram — so storage scales with the holding, and the way out is far worse.
Open calculatorSilver Fund Tax Calculator
A silver fund holds a silver ETF — but needs twenty-four months to the long-term rate where the ETF needs twelve. On a SIP that gap is expensive.
Open calculatorSilver ETF Tax Calculator
The tax rules are identical to a gold ETF’s. Silver is not — it moves about twice as hard, which changes what those identical rules cost you.
Open calculatorPhysical Gold Tax Calculator
Making charges are not an investment — they are never paid back when you sell. This works out what jewellery and coins actually leave after every cost and the tax.
Open calculatorGold ETF Tax Calculator
No GST, long-term after twelve months instead of twenty-four — but an expense ratio every year. This works out what a gold ETF actually leaves.
Open calculatorDigital Gold Tax Calculator
Digital gold charges 3% GST on the way in and a spread on the way out, before the tax on the gain. This works out what is actually left.
Open calculatorSGB Tax Calculator
Sovereign Gold Bonds are exempt from capital gains tax if you redeem them, and taxed if you sell them. This works out what that choice is worth.
Open calculatorKVP Tax Calculator
Kisan Vikas Patra doubles your money before tax. This works out what it comes to after tax and after inflation, which is a different number.
Open calculatorNSC Tax Calculator
What a National Savings Certificate leaves after tax, including the deemed reinvestment that claims Section 80C a second time — and the years where it does not.
Open calculatorSukanya Samriddhi Calculator
What a Sukanya Samriddhi account matures at, including the six years after deposits stop, and what its tax-free interest is worth against a taxable deposit.
Open calculatorRD Tax Calculator
What a recurring deposit returns after tax, and why its interest looks small next to a fixed deposit's when the rate is identical.
Open calculatorFD Tax Calculator
What a fixed deposit leaves you after tax — interest taxed every year as it accrues, TDS that is only a tenth of the bill, and the real return once inflation is counted.
Open calculatorPPF Tax Calculator
What PPF is worth once its tax-free interest is priced properly, what the deposit date costs you, and what the new regime does and does not take away.
Open calculatorNPS Tax Calculator
What NPS saves under each of its three deduction sections, which of them survive the new tax regime, and what the corpus is really worth once 40% is compulsorily annuitised.
Open calculatorELSS Tax Saving Calculator
What an ELSS investment actually saves under Section 80C once your regime and your existing commitments are counted, and when each instalment comes out of its lock-in.
Open calculatorSTP Tax Calculator
Work out what a systematic transfer plan costs in tax — every transfer is a redemption from the source fund, and each one starts a fresh holding period in the target.
Open calculatorSWP Tax Calculator
Work out what a systematic withdrawal plan actually costs in tax, and how much of each withdrawal is your own capital coming back rather than taxable gain.
Open calculatorSIP Tax Harvesting Calculator
Compare what a SIP leaves you after tax when the annual long-term equity exemption is used every year against redeeming it all in one go.
Open calculatorStep-Up SIP Calculator
Model a SIP where the instalment rises by a fixed percentage every year, tracking salary growth.
Open calculatorLumpsum Calculator
Compound a one-time investment across a chosen tenure and assumed annual return.
Open calculatorXIRR Calculator
Work out the annualised return on money that went in and came out on different dates - the figure a SIP's total gain does not tell you.
Open calculatorHome Loan EMI Calculator
Work out the monthly instalment on a home loan, the total interest over its life, and what paying a little extra each year takes off both.
Open calculatorFD Calculator
Calculate fixed deposit maturity value with quarterly, monthly, half-yearly or annual compounding.
Open calculatorSWP Calculator
See how long a corpus lasts when you withdraw from it every month — and the month it would run out.
Open calculatorSTP Calculator
Model moving a lumpsum from a liquid fund into equity in instalments — and compare it against investing the whole sum at once.
Open calculatorGoal Planner
Work backwards from a target corpus to the monthly investment required, adjusted for inflation.
Open calculatorMutual Fund Overlap Calculator
Check how much two funds hold in common, measured by shared weight rather than by counting shared stock names.
Open calculatorRun a website or a blog? Put a free calculator on it — one line of HTML, no sign-up.
Are these investment calculators free?
Yes. All GrowIQ Capital calculators are free and require no account or sign-up. They run entirely in your browser, and the values you enter are not sent to a server.
Does GrowIQ charge for using these?
No, and nothing here requires an account. GrowIQ Capital is an AMFI-registered mutual fund distributor and is paid a trail commission by the AMC on the regular plans it services, out of the scheme's expense ratio — never by a fee charged to you and never for using a calculator.
Do these calculators predict actual returns?
No. Each calculator computes a mathematical projection from the assumptions you enter. The return rate is your input, not a forecast of any scheme's performance. Actual returns depend on market conditions and are not assured or guaranteed.