🧮 Calculators
📊 Financial Planning
📈 SIP
💰 Lumpsum
🔄 SWP
🏠 EMI
🎯 Goal Planner
📊 Compound Interest
📈 SIP Calculator
Calculate how your monthly SIP builds into real wealth — with step-up and existing investments considered
New SIP Investment
Existing Investments & Running SIPs
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Total Wealth at Maturity
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New SIP Invested
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Returns Earned (New SIP)
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Existing Portfolio Grown
💰 Lumpsum Calculator
See how a one-time investment grows — and what it’s actually worth after inflation.
Investment Details
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Total Expected Value
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Total Invested
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Estimated Returns
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Real Value (Inflation Adj.)
🔄 SWP — Systematic Withdrawal Plan
See how your corpus handles your withdrawals over time, and what you leave behind.
Corpus & Withdrawal Details
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Final Balance (Legacy Amount)
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Starting Corpus
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Total Withdrawn
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Status
🏠 EMI Calculator
Calculate monthly EMI for any loan. Also see what you’d earn if you invested that EMI instead.
Loan Details
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Monthly EMI
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Principal
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Total Interest
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Total Payment
💡 If you invested this EMI as SIP at 12% instead, you’d have — after the same period!
🎯 Goal Planner
Dream it. Plan it. Achieve it. — with existing investments factored in.
Goal Details
Existing Investments & Running SIPs
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Inflation-Adjusted Target
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Additional Monthly SIP Needed
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Or Lumpsum Today
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Covered by Existing Investments
Note: We apply inflation to your Goal Target to calculate its future cost. Your investments are projected at their standard expected return so we can compare future costs to future wealth accurately.
📊 Compound Interest Calculator
The 8th wonder of the world — see exactly how compounding builds wealth
Investment Details
Compare: Simple vs Compound vs Equity
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Compound Interest Maturity Value
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Simple Interest Value
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Compound Interest Value
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If Invested in Equity
🏖️ Retirement Planner
🛡️ Insurance Planner
🚨 Emergency Fund
🏥 Health Insurance
🏖️ Advanced Retirement Planner
Complete retirement planning — pre & post retirement rates, existing investments, year-by-year projection, and legacy corpus for your family
Personal Details
Pre-Retirement Assumptions
Post-Retirement Assumptions
Existing Investments (Reduces SIP Needed)
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Corpus Needed at Retirement
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Monthly Expenses at Retirement
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Existing Investments at Retirement
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Remaining Corpus Gap
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Additional Monthly SIP Needed
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Legacy Corpus for Family
Corpus is invested at post-retirement return rate. Withdrawals increase annually with post-retirement inflation. Legacy corpus = remaining balance after life expectancy.
🛡️ Life Insurance Planner
How much life cover do YOU actually need? Calculated using Human Life Value method.
Personal & Income Details
Future Capital Goals (Lump Sums Needed)
Liabilities & Assets
Existing Assets (Reduces Cover Needed)
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Recommended Life Cover
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Human Life Value
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Liability Coverage
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Current Cover Gap
Calculated using Human Life Value (HLV) method + Liability coverage. Existing assets and corpus deducted from total need.
🚨 Smart Emergency Fund Calculator
Not just 3x or 6x — a personalised emergency fund based on your actual income, expenses, obligations and life situation
Income & Expense Profile
Life Situation
Existing Emergency Fund
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Recommended Emergency Fund
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Months of Cover
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You Currently Have
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Additional Needed
Your Financial Safety Score
Liquid Mutual Funds give ~6-7% return with same-day redemption — better than keeping in savings account at 3.5%
🏥 Health Insurance Estimator
Protect your wealth from medical inflation using the smart “Base + Super Top-Up” strategy.
Your Profile
Corporate Cover & Parents
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Total Recommended Coverage
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Base Policy Needed
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Super Top-Up Needed
Let’s Build Your First Portfolio Together
We at CoinCeption map your goals, pick the right funds for each, and set up your SIPs in one conversation — so you leave with a real portfolio, not just a plan.