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Calculators
About

"Thoughtful Money,
Better Life."

Nivesify/Life Calculators

Your Money, Your Goals — Calculated Clearly.

From your first SIP to a full retirement plan — understand exactly how much you need, when you'll get there, and how to stay on track. Built for everyday Indian investors.

🎯
Direction
→
🌱
Building
→
⚙️
Optimising
→
💸
Withdrawals
→
🏖️
Retirement
🎯 Direction

Name your financial goal

1.0L≈ ₹15.00 lakh10.0Cr
yrs
1y10 yrs40y
%
1%12.0%20%
💡

Use 10–12% for equity mutual funds based on long-term Nifty 500 historical returns. Adjust lower for shorter horizons.

🌱 Building

Watch your money grow

500≈ ₹15.0 thousand2.0L
yrs
1y10 yrs40y
%
1%12.0%20%
⚙️ Optimising

Fine-tune your plan

500≈ ₹20.0 thousand2.0L
yrs
1y7 yrs30y
yrs
1y15 yrs40y
%
1%12.0%20%
🧠

This models the 'invest early, stop early' strategy — you stop SIPs after a few years but let the corpus sit and grow. Often more powerful than investing the full period.

💸 Withdrawals

Live off what you built

1.0L≈ ₹50.00 lakh20.0Cr
yrs
1y25 yrs40y
%
1%8.0%15%
⚠️

Use a conservative 7–8% for post-retirement return — your portfolio should be in balanced/debt funds at this stage, not pure equity.

🏖️ Retirement

Full retirement picture

0≈ ₹12.00 lakh10.0Cr
0≈ ₹20.0 thousand2.0L
yrs
1y20 yrs40y
10k≈ ₹75.0 thousand10.0L
yrs
5y25 yrs40y
%
1%11.0%20%
%
1%7.0%15%
%
0%6.0%12%
🎯 Big-ticket expenses (years from today)

Add any large expenses: child's education, wedding, home purchase, medical, etc. Year 15 = 15 years from now.

≈ ₹5.00 lakh
≈ ₹3.00 lakh

Current plan: ₹5,00,000 in year 10; ₹3,00,000 in year 20

📊

Your desired income is entered in today's value — we automatically inflate it to retirement date. Pre-retirement return should be higher (equity-heavy). Post-retirement should be conservative (balanced/debt).

The Bottom Line

You've Run the Numbers. Now Build the Plan.

Use these results to choose the right funds, set up your SIP, and track your goals — all in one place.

Disclaimer: These calculators provide estimates for planning purposes only. Actual returns depend on market conditions and may vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Consult a SEBI-registered investment advisor for personalised advice.