About PlanivestFin
Free, accurate financial calculators and plain-English guides for Indian investors — no registration, no data collection, no agenda.
PlanivestFin is a free financial planning platform built specifically for Indian retail investors. We provide calculators for every major investment category — SIP, lumpsum, fixed deposits, gold, NPS, EMI, PPF, and salary — along with guides that explain how each instrument works, when to use it, and what to watch out for.
We built this because most Indian financial calculators either oversimplify (giving you a number without context) or overcomplicate (burying the answer in jargon). Our goal is to give you the right number with enough context to actually act on it.
Everything on this site is free. We do not charge for calculators, do not require registration, and do not sell your data. Our guides are written to inform, not to sell you a product.
Our calculators use standard financial formulas as defined in financial mathematics and consistent with guidelines from SEBI, RBI, and PFRDA. Here is how each major calculator works:
Future Value of annuity formula with monthly compounding, consistent with AMFI return calculation standards.
Compound interest with quarterly compounding, as used by most Indian banks under RBI guidelines.
Reducing balance EMI formula, consistent with RBI's loan amortisation requirements.
Corpus projection using SIP formula, split per PFRDA's 60/40 lumpsum-annuity rule at age 60.
Annual compounding per PPF scheme rules — interest credited on March 31 each year.
Tax computation under both old and new regimes per the Income Tax Act 2025 slabs.
Important: All calculator outputs are projections based on assumed constant return rates. Actual returns — especially for equity-linked instruments like SIP and NPS equity funds — will vary with market conditions. FD and PPF projections are more reliable as they use fixed or government-declared rates. Our calculators are for planning purposes and do not constitute financial advice.
Our articles and guides follow a clear set of standards to ensure accuracy and usefulness:
Tax rules and investment regulations are cross-checked against official sources — SEBI circulars, RBI notifications, PIB press releases, and PFRDA guidelines
Interest rates, FD comparisons, and market data are updated from official bank websites and verified financial publications
We clearly distinguish between confirmed regulatory changes and features that are announced but not yet implemented
Articles are dated and updated when regulatory changes or significant market developments make the content outdated
We do not accept payment for featuring any financial product, fund, or institution. Our comparisons reflect publicly available data only
Monthly SIP corpus projection with step-up option
One-time investment growth over time
Fixed deposit maturity with quarterly compounding
Loan EMI, total interest, and amortisation schedule
Retirement corpus and estimated monthly pension
PPF maturity with annual compounding per scheme rules
Gold and silver investment value projection
In-hand salary under old and new tax regimes
We also publish articles covering current Indian financial news — RBI monetary policy decisions, tax rule changes, market events, and personal finance guides — written with the same commitment to accuracy and clarity as our calculators.
No Registration Required
All calculators work without creating an account. We do not ask for your email, phone number, or personal details.
No Data Storage
Your calculator inputs are processed in your browser. We do not store, transmit, or analyse the numbers you enter into our tools.
No Paid Placements
We do not accept payment to feature or recommend any financial product, fund house, or institution. All comparisons use publicly available data.
For questions, corrections, or feedback on any calculator or article, write to us at contact@planivestfin.com. We respond to all genuine queries within 2 business days.