Quick, no-signup calculators for net worth, SIP, PPF, CAGR, rent vs buy, goals, retirement, emergency fund and loan EMIs. Numbers are indicative — use them to start a conversation, not to replace a plan.
Family Net Worth Calculator
What you own, minus what you owe — for you and your spouse together.
Your assets
Spouse's assets
Family liabilities
Total family assets
₹84,00,000
Total liabilities
₹28,00,000
Family net worth
₹56,00,000
Liquid + market-linked share
35.7%
Real estate share
59.5%
Gold & alternatives share
4.8%
Track net worth once or twice a year — the direction matters more than the number. Want the full workbook with per-asset lines, liquidity tiers and goal tagging?
SIP Calculator
What a monthly investment could grow into.
Invested amount
₹18,00,000
Estimated gains
₹32,45,760
Projected value
₹50,45,760
Lumpsum Calculator
Growth of a one-time investment over time.
Invested amount
₹5,00,000
Estimated gains
₹9,19,710
Projected value
₹14,19,710
PPF Calculator
Maturity value of your Public Provident Fund contributions.
Total invested
₹22,50,000
Interest earned
₹18,18,209
Maturity value
₹40,68,209
Matures in
2041
PPF allows ₹500 to ₹1,50,000 a year, compounds annually, and has a 15-year lock-in extendable in blocks of 5 years. Contributions, interest and maturity are all tax-free (EEE). The government resets the rate every quarter.
Goal SIP Calculator
Monthly investment needed to reach a target amount.
Monthly SIP required
₹21,520
Total invested
₹25,82,433
Add an inflation buffer to the target for goals more than 5 years away.
Retirement Corpus
How much you may need on the day you retire.
Monthly expense at retirement
₹1,92,428
Corpus required
₹5,77,28,438
Assumes the corpus keeps earning returns and is drawn down at the withdrawal rate.
Emergency Fund
A safety net for job loss, medical or family emergencies.
Fund needed
₹4,80,000
Monthly outgo covered
₹80,000
Keep it in a savings account, sweep-in FD or liquid fund — not in equity.
Loan EMI
Monthly instalment and total interest on a loan.
Monthly EMI
₹26,035
Total interest
₹32,48,327
Total payment
₹62,48,327
CAGR Calculator
The annualised return an investment actually delivered.
CAGR
13.99% p.a.
Absolute return
150.00%
Total gain
₹1,50,000
CAGR smooths a lumpsum investment's growth into a single yearly rate, so you can compare a fund, a stock and an FD on the same scale. For 10+ year equity holdings in India, 11–13% has been a reasonable long-run range; use XIRR instead when money went in through SIPs.
Rent vs Buy Calculator
Should you buy a home now or keep renting and invest the difference?
Monthly EMI
₹69,426
Net cost of buying
-₹3,58,337
Net cost of renting
₹12,95,079
Verdict
Buying
Buying works out cheaper by ₹16,53,417 over 10 years. Buying is compared net of the equity you build and the property's appreciation; renting is compared net of returns on the down payment you invest instead. Add stamp duty, registration, maintenance and society charges — typically 8–10% upfront and 0.5–1% a year — before deciding.
Family Net Worth Tracker (Excel)
The full workbook: separate sheets for you and your spouse, every asset line from cash to ESOPs, liquidity tiers, goal tagging and a family summary that updates on its own.
Frequently asked questions
How often should I update my net worth?
Once or twice a year is enough for most families — say every 31 March and 30 September. Use the same date each time so the comparison is fair, value assets conservatively, and watch the direction of the number rather than the number itself.
How is PPF interest calculated?
PPF interest is calculated on the lowest balance between the 5th and the last day of each month, and credited once a year on 31 March. Investing before the 5th of the month — or the full ₹1.5 lakh before 5 April — earns the most interest. The rate is reset by the government every quarter.
What is a good CAGR for an investment in India?
Over 10+ years, diversified Indian equity funds have historically delivered roughly 11–13% CAGR, debt around 6–7% and gold around 8–9%. Judge a CAGR against the asset class and the period, not in isolation — and use XIRR instead of CAGR when money was invested through SIPs.
Is it better to rent or buy a home in India?
Buying usually wins when you will stay 10 years or more, the rental yield in your city is above about 3.5%, and the EMI stays under 35–40% of take-home pay. Renting and investing the down payment often wins over shorter horizons and in high-price, low-yield metros like Mumbai and Bengaluru.
How much should I invest each month to reach a goal?
Use the Goal SIP calculator: enter the inflation-adjusted target amount, the years available and a realistic return. A longer runway cuts the monthly amount sharply — a 10-year goal typically needs about half the monthly SIP of a 5-year goal.
Are these calculators free to use?
Yes. Every calculator on PowerMyMoney is free, needs no sign-up, and runs entirely in your browser — no data is stored or shared.
Get the PowerMyMoney app
Install PowerMyMoney on your home screen for quick access to these calculators and the family financial planning guide — they keep working without an internet connection.
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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.