Optimize your financial future with our multi-asset growth engine. Calculate SIP, FD, and RD returns with advanced Tax & Inflation adjustments.
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Wealth Pro AI – Ultimate All-in-One Investment Calculator
Wealth Pro AI by T4tool is a sophisticated, multi-asset financial dashboard designed for modern investors. Whether you want to calculate SIP (Systematic Investment Plan), RD (Recurring Deposit), or Lumpsum (Fixed Deposit) returns, our tool provides institutional-grade accuracy. With unique features like Annual Step-Up and 2026 LTCG Tax adjustments, T4tool is the most advanced investment finder online.
Understanding Your Investment Options
1. What is a SIP Calculator?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in mutual funds at regular intervals. Our SIP Calculator helps you visualize the power of compounding. By investing even small amounts monthly, you can build a massive corpus over time. The Step-up SIP feature further allows you to increase your investment as your income grows.
2. Fixed Deposit (FD) / Lumpsum Calculator
If you have a large sum of money to invest at once, the Lumpsum Calculator (or FD Calculator) is perfect for you. It calculates the maturity value based on a fixed interest rate over a set period. It’s ideal for long-term wealth preservation and low-risk growth.
3. Recurring Deposit (RD) Calculator
An RD (Recurring Deposit) is a safe investment offered by banks where you deposit a fixed amount every month. Unlike SIPs, RDs offer guaranteed returns, making them a favorite for conservative investors.
Advanced Features for Professional Investors
- ✔ Annual Step-Up: Calculate how increasing your SIP by 5-10% every year boosts your final wealth.
- ✔ LTCG Tax Calculation: Automatically calculates 12.5% tax on gains above ₹1.25 Lakh (2026 Tax Rules).
- ✔ Wealth Multiplier: Instantly see how many times your initial money has grown.
- ✔ Mobile-First Dashboard: A compact, ultra-fast interface designed for mobile and desktop.
- ✔ 100% Privacy: All calculations happen in your browser; no financial data is ever stored.
Risks and Limitations of BMI in Financial Planning
While calculators provide estimates, remember that Mutual Fund investments are subject to market risks. Actual returns may vary based on market volatility. Always consult a financial advisor for personalized tax planning beyond LTCG estimates.
Frequently Asked Questions (FAQs)
SIP is better for salaried individuals to manage market volatility via rupee cost averaging. Lumpsum is ideal when you have a large surplus and want to lock in returns during a market low.
As per latest rules, Long Term Capital Gains (LTCG) on equity are tax-free up to ₹1.25 Lakh per year. Any profit above this is taxed at 12.5%. Our tool calculates this automatically.
Step-Up SIP is an advanced strategy where you increase your monthly investment by a fixed percentage (e.g., 10%) every year as your salary increases. This can double your final wealth compared to a normal SIP.
Yes. By switching to 'RD' or 'Lumpsum' mode, you can calculate returns for any bank or post office saving scheme accurately.