What we provide

• Smart calculators (SIP, Lump Sum, Goal Planning, Emergency Fund, FIRE, EMI, FD/RD, EPF, SWP vs FD, etc.)
• Historical Mutual Fund NAV — searchable, with interactive charts & CSV export
• Personal finance analyzers to evaluate savings rate, expenses, investment mix and feasibility
• Plain-English financial content & playbooks focused on learning, not advice
• Ad-free, clean design — free to use, no login, no tracking

Why GrowNiti Labs?

Financial planning often feels confusing — different numbers, charts, returns and opinions everywhere. GrowNiti Labs removes the noise by providing:

• Clear visualizations: Charts, breakdowns and summaries that show the full picture.
• Practical assumptions: Calculators use standard return & inflation assumptions so users can compare scenarios meaningfully.
• No influence from ads or products: No selling, no bias — just plain calculations.
• Focus on learning: Helps users understand how money grows, how goals behave, and what happens when savings habits change.
• Scenario testing: Try multiple “what-if” situations before deciding anything.

How to read results

• Projections are estimates: Markets vary. Actual results can differ.
• Returns: Assumptions such as 10–12% for equity or 6–7% for debt are long-term averages.
• Compounding: SIPs compound monthly unless mentioned otherwise.
• Inflation: Reduces the future value into today’s purchasing power.
• Taxes: Not included unless clearly stated.

GrowNiti Labs is not SEBI-registered and does not provide investment, tax or legal advice. All tools are for education and illustration only.

How to read calculator results

Our calculators are designed for clarity and education. Results are estimates and may differ from figures shown by banks/AMCs or other websites due to conventions and updates.

• Returns & projections: We use the rate you enter as a constant average. Real-world returns vary and are not guaranteed.
• Compounding: Financial calculations typically assume monthly compounding for SIP/EMI and quarterly/monthly for FD/RD (as noted on each tool).
• Rounding: Amounts are rounded to keep tables legible; small rounding differences can appear vs. other sources.
• Costs & taxes: Unless explicitly shown, results do not include brokerage/TER/exit load, tax (e.g., LTCG, STCG, TDS), or other fees.
• Cashflows/timing: SIPs assume contributions on a fixed date; EMIs assume reducing balance with interest calculated monthly.
• Goal/FIRE tools: Assume constant inflation/withdrawal rate for illustration. Sequence-of-returns risk isn’t modeled.
• NAV / data differences:Values can differ from AMC/official sites due to update timing, corporate actions, or rounding.