Investment Planning Calculator – Plan Monthly Budget & SIP | Hisabhkaro

Investment Planning Calculator for Monthly Budget & SIP

This investment planning calculator helps you plan your monthly budget and allocate your salary across expenses, savings, and SIP investments for long-term financial goals.

Time Horizon
15 Years
1 Yr40 Yrs
Monthly Budget
₹
₹35,000
Rent
Food
Bills
Misc
Allocation
Surplus: ₹45,000
Return: 12%
Return: 8%
Return: 6.5%
Wealth Projection
Year 15
Investing 0% of income | Expected Return (Assumed) 0%
Estimated Corpus
₹0
Total Profit: ₹0
AssetInvestedProfitTotal
Frequently Asked Questions

No. All projections are shown before tax. Actual post-tax returns will depend on your tax slab, investment type, and applicable tax laws. This investment planning calculator is designed to help you understand how your monthly income can be allocated across expenses, savings, and investments. To calculate Equity’s LTCG and STCG tax please checkout our Mutual Fund Tax Calculator.

The calculator shows projections before tax and does not automatically adjust for inflation. Actual post-tax and inflation-adjusted returns may differ depending on your tax slab, investment type, and market conditions. You can estimate the inflation-adjusted value using our Inflation Calculator.

To understand how inflation impacts long-term returns, you can also refer to official guidance from the Reserve Bank of India (RBI).

You are free to change your investment amounts, allocation, and expected returns at any time. The calculator assumes consistent monthly investments for simplicity, but real-life investing may involve increases, decreases, or rebalancing over time.

This investment planning calculator is suitable for anyone who wants a clear and structured view of their personal finances. It is especially useful for salaried individuals, freelancers, and self-employed professionals who want to understand how their monthly income can be divided between expenses, savings, and investments.

Beginners can use this calculator to learn the basics of budgeting and investment planning, while experienced investors can experiment with different allocation strategies.

Equity investments generally show higher expected returns than fixed deposits or debt instruments because they involve higher risk and market volatility. Debt and fixed deposits offer more stability but usually provide lower long-term growth.

All calculations are performed locally in your browser. No personal or financial data is stored, tracked, or shared. This tool is intended for planning and educational purposes only.
Returns are illustrative, pre-tax, and based on user-defined assumptions. Actual market performance will vary. This tool is for planning purposes only and does not constitute financial advice.

Creating a robust investment plan is the first step toward financial freedom. Whether you are just starting your career or planning for retirement, understanding where your money goes is crucial.

How to use this Investment Planner

This calculator is designed around the principles of asset allocation. It allows you to input your monthly net income and categorize your expenses. Based on your surplus, you can decide how much to allocate to three primary asset classes:

Equity

High risk, high reward. Ideal for long-term goals (>7 years) like retirement or wealth creation.

Debt

Moderate risk. Includes PPF, EPF, and Debt Funds. Provides stability to your portfolio.

Other

Gold, Real Estate, or Cash. Used for hedging against inflation or emergency funds.

The 50/30/20 Rule

A common guideline for financial planning is the 50/30/20 rule. It suggests that you spend 50% of your income on Needs (Rent, Food, Bills), 30% on Wants (Entertainment, Shopping), and save at least 20% for Investments. This calculator helps you visualize if you are meeting that 20% savings target.

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