Plan your investments, retirement, loans & insurance in seconds. These are estimates — contact us for personal guidance.
See how much your monthly SIP could grow over time.
A SIP (Systematic Investment Plan) calculator shows how much your regular monthly mutual-fund investment can grow over time, thanks to the power of compounding. You enter how much you invest each month, an expected annual return and the number of years, and it estimates the maturity value.
FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i), where P = monthly amount, i = monthly rate of return and n = number of months.
SIPs build discipline, average out your cost across market ups and downs (rupee-cost averaging), and let you start with as little as ₹100 a day. Time in the market matters more than timing the market.
Ready to start a SIP? Talk to SBB Enterprises on WhatsApp →
See how a one-time investment could grow over time.
A lumpsum calculator shows how a single, one-time investment grows over time when it compounds at an expected annual return. Unlike a SIP (where you invest every month), a lumpsum is invested all at once — useful when you have a bonus, maturity amount or savings to deploy.
Future Value = P × (1 + r)n, where P = amount invested, r = annual return and n = number of years.
Lumpsum can work well when markets are reasonably valued or for debt funds; SIP suits regular income and reduces timing risk. Many investors do both. We can help you decide what fits your goal and risk comfort.
Have a lumpsum to invest? Get free guidance from SBB Enterprises →
Find the monthly SIP needed to reach your goal amount.
This calculator works backwards from your goal. Instead of asking "how much will my SIP grow to?", it answers "how much do I need to invest every month to reach a target amount?" — perfect for planning a specific goal like a child's education, a car, a house down-payment or a dream trip.
The calculator shows the monthly SIP required, plus how much of the goal comes from your own investment versus growth.
Attaching every SIP to a clear goal keeps you motivated and disciplined, and makes it easy to see if you're on track. Start early — a longer timeline means a smaller monthly amount for the same goal.
Have a goal in mind? Let SBB Enterprises build a plan for you →
See the corpus you'll need and the monthly SIP to build it.
A retirement calculator estimates two things: the corpus (total savings) you'll need to maintain your lifestyle after you stop working, and the monthly SIP you should invest from now to build it. It factors in inflation — because ₹30,000 of expenses today will cost much more in 20–30 years.
The earlier you begin, the smaller the monthly amount needed — because compounding has more time to work. Delaying retirement planning by even 5 years can sharply increase the SIP required.
Want a personalised retirement plan? Talk to SBB Enterprises →
Work out your monthly EMI, total interest and total payable.
EMI stands for Equated Monthly Instalment — the fixed amount you repay every month on a loan, covering both principal and interest. An EMI calculator tells you your monthly outgo, the total interest you'll pay and the total amount payable, so you can borrow within your comfort.
EMI = P × r × (1 + r)n ÷ [ (1 + r)n − 1 ], where P = loan amount, r = monthly interest rate and n = number of months.
A longer tenure lowers your EMI but increases total interest; a shorter tenure costs more per month but saves interest overall. At SBB Enterprises we also offer loans against shares & mutual funds — often cheaper than an unsecured loan.
Need a loan? Ask SBB Enterprises about your options →
Estimate how much life cover your family may need.
This calculator estimates how much life insurance your family needs so that if something happens to you, they can maintain their lifestyle, clear any loans and meet future goals. It's based on your income, age, outstanding liabilities and existing savings — the "human life value" approach.
The calculator shows a recommended total cover and the additional cover you may need.
A term plan gives the largest cover for the lowest premium — pure protection for your family. It's usually the most cost-effective way to be adequately insured. Insurance is the subject matter of solicitation.
Want the right cover at the right price? Get term insurance advice from SBB Enterprises →
Compound Annual Growth Rate — your investment's average annual growth.
CAGR stands for Compound Annual Growth Rate. It is the rate at which an investment would have grown each year if it had grown at a steady, compounded rate over a period. A CAGR calculator takes the amount you invested, the value it grew to and the number of years, and gives you a single, smoothed annual return — making it easy to compare very different investments on the same scale.
CAGR = (Final Value ÷ Initial Value)(1 ÷ Years) − 1, shown as a percentage.
CAGR is ideal for a single, one-time investment (like a lumpsum in a mutual fund, stock or property) where you want the average yearly growth. It smooths out the ups and downs, so it does not show year-to-year volatility. For investments with multiple transactions on different dates — like a SIP — CAGR is not suitable; use XIRR instead.
Want help choosing investments that can compound your wealth? Talk to SBB Enterprises on WhatsApp →
Annualised return for investments made on irregular dates (like SIPs). Mark money you put in as “Invested” and the final / withdrawal value as “Received”.
The Extended Internal Rate of Return (XIRR) is a single annualised rate of return for an investment where money goes in and out on irregular dates — exactly what happens with a SIP, additional purchases, or withdrawals. It applies one rate to every transaction so that all your cash flows add up to the current value of your investment. Because it accounts for both the amount and the timing of each transaction, XIRR is the most accurate way to measure SIP and portfolio returns.
In Excel you would list every transaction in one column — investments as negative (outflow) and redemptions / current value as positive (inflow) — the dates in the next column, and use =XIRR(values, dates). This calculator does the same maths for you using the same method.
CAGR works for a single lumpsum investment. But if you invest a fixed sum every month (a SIP), each instalment is invested for a different length of time, so CAGR is not accurate. XIRR handles multiple, irregular cash flows in one figure — making it the right metric for SIPs and SWPs.
Not sure what your real SIP returns are? Send your statement to SBB Enterprises on WhatsApp → and we'll help you review it.
* All results are illustrative estimates only and are not guaranteed. Mutual fund & market investments are subject to market risks. Insurance is subject to terms & conditions. Please read all documents and consult our team before investing.