Ten calculators, one page

Market-linked instruments do not offer a fixed rate of return. Use this only to compare scenarios, not to plan a guaranteed outcome.

If the assumed return is lower than your withdrawal rate, the corpus can deplete before the period you have entered — the result above will tell you when.

A modest annual step-up can meaningfully change the maturity value versus a flat SIP of the same starting amount — try comparing this against the plain SIP calculator.

Assumes the transfer continues for the full period entered, or until the source corpus is exhausted, whichever is earlier.

This is a standard reducing-balance estimate. Processing fees, insurance premiums and any rate resets during the tenure are not included. Sanction, rate and tenure are decided solely by the lender.

Uses a standard inflation-adjusted annuity method. Real-world tax treatment, healthcare costs and unplanned expenses are not modelled — treat this as a starting estimate to discuss further, not a target.

Education costs have historically risen faster than general inflation. Revisit this figure every couple of years as course fees change.

A long runway is the biggest advantage in this goal — starting even a few years earlier meaningfully lowers the monthly commitment needed.

This is one simplified method (income replacement) among several used in the industry. Your actual requirement depends on dependants, liabilities, existing assets and the specific policy you choose — please discuss before buying a policy.