Calculators
Financial Calculators for Smarter Investing
Qonfido Calculators are free web tools for Indian investors. They estimate SIP and SWP outcomes, retirement and education corpus, income tax, mutual-fund capital gains, life cover, and a financial health score. Each result is a scenario from the inputs you enter.
Start here
Understand where you stand and when you could reach financial independence.
Qonfido Financial Health Check
Measure your financial health across Security, Growth, and Freedom using income, spending, savings, loans, protection, and decision confidence
You'll learn: your QIQ score, pillar strengths, and top money priorities
When can I be financially independent?
Model your FIRE timeline based on savings momentum
You'll learn: your FI number, years to FI, and which FI path you're on
Plan for goals
Model retirement, education, and withdrawal timelines.
How much could my SIP grow?
Estimate monthly SIP, step-up SIP, and lumpsum corpus for Indian mutual funds
You'll learn: invested amount, estimated gains, and how a SIP change affects corpus
Do I have enough to retire?
Estimate if your retirement corpus is on track
You'll learn: whether your corpus can support retirement spending
Do I have enough for my kid's education?
Project future education costs and required savings
You'll learn: the future cost and monthly savings needed
How long will my corpus last?
Estimate how long an SWP can support your monthly income needs
You'll learn: how long withdrawals can sustain your lifestyle
Protect & optimise
Cover risks, reduce tax drag, and document your estate.
Do I have enough life cover?
Estimate your life insurance need and shortfall
You'll learn: your protection gap and coverage target
How much income tax could I pay this year?
Estimate your FY 2025-26 tax under old vs new regime with AI explanations and optimization tips
You'll learn: your tax under old vs new regime
How tax-efficient is my MF portfolio?
Assess your equity long-term capital gains exemption usage, advance tax on gains, and tax-loss harvesting opportunities from your CAS
You'll learn: harvesting opportunities and tax drag in your portfolio
What are my MF capital gains by financial year?
Upload your CAS to see realised short-term and long-term capital gains for every financial year in your history, with FY-specific tax estimates
You'll learn: ST/LT gains and estimated tax for each FY
Generate a Will
Create a simple will draft in under five minutes
You'll learn: a starter will draft you can review with counsel
Get the app
Continue your plan in the Qonfido app
Get answers grounded in your goals, from savings rate to fund categories and tax efficiency.