Kinetic Stocks | Investment & Wealth Calculators (Step-Up SIP, SWP, FIRE)

📈 Step-Up SIP Calculator

Model annual percentage increases in your monthly SIP contributions as your salary expands. Ideal for professionals expecting salary hikes who want to invest proportionally higher amounts over time. Calculate your wealth accumulation with realistic salary growth scenarios.

Initial Monthly SIP (₹)

Annual Step-Up Rate (%)

Expected Return (% p.a.)

Investment Horizon (Years)

Total Invested

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Estimated Gains

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Maturity Corpus

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Step-Up SIP vs Fixed SIP Compounding Projection

💸 Direct vs Regular Mutual Fund Comparison

Compare the true cost of investing in Regular Mutual Funds vs Direct Plans. Measure exactly how much compounding wealth is lost purely to distributor trail commissions over 15, 20, or 30 years. Direct plans typically have expense ratios 0.5% to 1% lower, creating substantial long-term wealth gap.

Monthly Investment (₹)

Investment Horizon (Years)

Gross Return before Expense (% p.a.)

Direct Plan TER (%)

Regular Plan TER (%)

Distributor Commission Drain

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This amount is lost to distributor trail fees without improving fund management quality.

🛡️ SWP Pension Sustainability Tracker

Test your post-retirement Systematic Withdrawal Plan (SWP) and identify if your corpus will sustain your entire retirement. Model monthly withdrawals with annual inflation adjustments (5% hike to hedge against rising costs). Identify if your retirement corpus will deplete or sustain for 30+ years.

Starting Corpus (₹)

Monthly Withdrawal (₹)

Expected Growth (% p.a.)

Annual Withdrawal Increment (% inflation hedge)

Total Withdrawn

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Corpus Sustainability

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🔥 FIRE Retirement Corpus Calculator

Calculate the exact Financial Independence, Retire Early (FIRE) target corpus you need to build to quit work and live solely off investment returns. Uses the 3.5% Safe Withdrawal Rate (SWR) rule, adjusted for inflation between now and your target retirement age. Plan your path to financial freedom.

Current Monthly Expenses (₹)

Current Age / Target Retirement Age

Assumed Long-Term Inflation (% p.a.)

Safe Withdrawal Rate (SWR %)

Required Retirement Corpus

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Adjusted for inflation at your target retirement age.

📈 Step-Up SIP Calculator

💸 Direct vs Regular Mutual Fund Comparison

🛡️ SWP Pension Sustainability Tracker

🔥 FIRE Retirement Corpus Calculator

🎯 Validate Your Investment Strategy in Real-Time