Nivata Wealth

Financial Tools • Educational Use

Financial Calculators India
SIP, CAGR, XIRR & Retirement Planning.

Use free financial calculators for SIP, Step-up SIP, CAGR, XIRR, inflation, retirement corpus, home-vs-invest decisions, car affordability and credit-card payoff.

Nine core calculators plus four decision labs.
No sign-up. No stored inputs.

Outputs are illustrative and do not constitute investment advice.

Free Financial Calculators

Which financial calculators are available?

Nivata includes dedicated calculators for CAGR, SIP and Step-up SIP, XIRR, lump-sum growth, inflation, retirement corpus, buying a home versus investing, car affordability from salary and credit-card payoff. The dedicated calculators have worked examples; the four decision labs cover valuation expectations, SIP interruptions, emergency cash runway and lifestyle inflation.

Transparent Assumptions

Plan with
Perspective.

Change any input to explore a different scenario. Every formula and key assumption is shown beside the result.

Compound Annual Growth Rate

What Was the Annualised Rate of Growth?

CAGR smooths the total change into one equivalent annual growth rate.

Advanced OptionsReal Return & Benchmark

Future-value Projection

How Much Could Your Initial Lump Sum and Monthly SIP Grow?

See how an initial lump sum and monthly SIP could grow at an assumed rate of return.

Step-Up SIP & TimingAdvanced Options

Inflation-adjusted Goal Cost

How Much Could Today’s Goal Cost in the Future?

Shows how an assumed inflation rate changes the nominal cost of a goal.

Goal-Funding OptionsAdvanced Options

Retirement Corpus Estimate

How Much Could You Need for Retirement?

Estimates how today’s monthly expenses could change with inflation and the capital that may be needed through retirement.

Savings & Funding PlanAdvanced Options

Home Decision Calculator

Buy a Home or Invest?

Compare buying the home today with a loan against renting, investing the available money and buying the same home later.

If you buy today

Tell us the home price and the loan you would take.

If you wait and invest

Tell us what renting costs and how you want to model future growth.

Fine-tune assumptions Defaults: rent +5%, buying costs 7%, owner costs 0.75%; no tax benefit

Car Affordability

What Car Price Can Your Income Support?

Set a total-EMI limit, then see the maximum car loan and car price that fit inside it. The loan math uses a standard reducing-balance EMI.

Budget GuardrailEditable, not a bank rule

Credit Card Payoff

How Long Will Your Credit Card Debt Take to Clear?

Enter the interest rate from your card statement and a fixed monthly payment. See the payoff time, finance charges and the payment needed for a faster target.

Make It More ExactTax, fees & target date

Irregular Cash-flow Return

What Annualised Return Did Irregular Cash Flows Generate?

XIRR estimates an annualised return when investments and receipts occur on different dates.

Dated cash flowsAdd each investment and each amount received.

Enter positive amounts; choose Investment or Receipt to set the cash-flow direction.

Interactive Decision Labs · Four tools

Discover the Invisible Numbers.

Four independent scenario tools that reveal hidden trade-offs in return expectations, missed contributions, emergency cash and lifestyle inflation. Inputs remain in your browser.

01 · Expectations Decoder

What Growth Is Already Priced In?

Reverse-engineer the annual earnings growth needed for a target return when the valuation multiple changes. Explore how a lower exit P/E raises the growth hurdle.

Formula: required EPS = current price × (1 + target return)years ÷ assumed exit P/E. Implied earnings CAGR derives from current EPS. Excludes dividends, dilution, taxes and fees. Scenario mathematics, not a valuation opinion.

Open standalone lab ↗

02 · SIP Detour Lab

What Does a Pause Really Cost?

Place a temporary SIP pause anywhere along a savings journey. See the missed contributions, their potential future growth and the extra monthly catch-up after resuming.

Each SIP is assumed to occur at month-end. The return is constant for illustration and converted to an effective monthly rate. A pause means contributions stop temporarily; existing investments remain invested. The catch-up amount is an additional SIP over all remaining months. No guarantee of returns.

03 · Cashflow Runway Map

How Long Could Your Emergency Cash Last?

Test a temporary income shock and a one-off expense against your liquid savings. See the time until your emergency buffer is exhausted and how much runway remains after the shock ends.

Model: monthly cash burn = max(essential spending − income during shock, 0). The one-time cost is paid immediately. The cash floor is a safety reserve, not a bank balance requirement. Excludes interest, tax, investment volatility and unexpected additional expenses; no account data is stored.

Open standalone lab ↗

04 · Lifestyle Creep Mirror

Is Your Pay Raise Really Making You Wealthier?

Compare your future investable surplus if spending grows with inflation versus a lifestyle-upgrade habit. Small annual differences can compound into a surprisingly large wealth gap.

Model: take-home pay and expenses change annually, monthly surplus is assumed invested at month-end at a constant return. Negative monthly surplus is treated as a cash shortfall (not invested borrowing). Assumes raises are net of tax; does not predict pay, prices or market returns. Currency is nominal INR.

Open standalone lab ↗

Use Results Thoughtfully

A Number Is a Starting Point.
Not a Recommendation.

Real outcomes can differ because returns, inflation, taxes, costs and personal circumstances change. Use several assumptions—not only the most optimistic one.

Nivata Wealth is not presently registered with SEBI as an Investment Adviser and does not currently provide investment advice.

Use Assumptions Carefully

Know What Can
Change the Result.

Calculator outputs depend on the assumptions you enter. Use the Education Hub when you want to understand a term before applying it to a calculation.

Return Assumptions

Higher assumed returns can increase projected values sharply. Test a range rather than relying on one optimistic figure.

Inflation

Long-term goals should be viewed in terms of purchasing power as well as nominal rupee values.

Timing & Contributions

Contribution dates, step-ups, withdrawals and investment duration can materially change an outcome.

Explore the Education Hub ↗Understand SIP & Step-up SIP ↗Open the XIRR Calculator ↗