Investment Calculator
Smart investment recommendations for Indians
General suggestions only • Always consult a certified financial advisor
Investment Options Comparison
Mandatory contribution for salaried employees. 12% employee + 12% employer contribution.
Government-backed savings scheme with guaranteed returns. Partial withdrawal after 7 years.
Retirement savings with market-linked returns. 60% lump sum tax-free, 40% annuity (taxable).
Mutual fund investing in equities. Shortest lock-in among 80C options. Market-linked returns.
Bank deposits with fixed interest. Safe but returns are fully taxable.
Liquid emergency fund. Low returns but instant access.
Recommended Allocation Strategies
50+ years
Low risk, stable returns. Ideal for risk-averse investors or nearing retirement.
Allocation:
Risk Profile: Low Risk
30-50 years
Balanced approach with mix of safety and growth.
Allocation:
Risk Profile: Medium Risk
20-35 years
High growth potential with higher risk. Long investment horizon.
Allocation:
Risk Profile: High Risk
- ✅EPF: Mandatory for salaried employees. 8.25% safe return, fully tax-free (EEE).
- ✅PPF: Best for conservative investors. 15-year lock-in, guaranteed returns.
- ✅NPS: Best tax benefits (₹2L under 80C + 80CCD1B). Partial taxable on maturity.
- ✅ELSS: Shortest lock-in (3 years) among 80C options. Market-linked returns.
- 💡Diversify across instruments based on your age and risk appetite.
- 💡Keep 6-12 months of expenses in an emergency fund (savings account).