Understand
See stocks, mutual funds and ETFs together, and what each one is worth against what you put in.
- Mutual funds₹6.82 L52%
- Stocks₹3.92 L30%
- ETFs₹2.28 L17%
Sample data
If I put ₹ in every month, for years at % a year, I’ll have
₹23.23 LFermor is where people in India invest, track and plan their money, with the working shown at every step. Whether it’s a first ₹500 SIP or a ₹50 lakh portfolio, you see the numbers before you decide.
- You put in
- ₹12.00 L
- It earns
- +₹11.23 L
Value of your SIP What you put in
One place to see your money, move it and grow it.
Act
Start a SIP from ₹500 a month, or buy a stock or ETF. The cost is on the screen before you confirm.
Parag Parikh Flexi Cap Fund
Direct plan, growth
- Amount
- ₹500 a month
- Commission
- ₹0
Sample data
Grow
Set a goal and see how far you are. Change the amount or the time and watch the date move.
House down payment
Target ₹20 L
₹12.4 L saved62%
Sample data
Ask a money question. Get the working, not just the answer.
Every reply lists the numbers it used, so you can check the arithmetic yourself. This is a scripted demo of how Ask will respond.
Can I afford a ₹60L home loan?
Working
- Loan
- ₹60,00,000 at 8.5% for 20 years
- Monthly EMI
- ₹52,069
- Total interest over 20 years
- ₹64.97 L
- Take-home needed if EMI is 40% of it
- ₹1,30,173
The EMI is about ₹52,069 a month. A common guideline keeps EMIs under 40% of take-home pay, so a monthly take-home above ₹1,30,173 fits it.
Start with numbers you already know. Change one at a time.
₹
years
% / yr
- Invest every month
- ₹24,246
- You put in
- ₹14,54,786
- Growth adds
- +₹5,45,214
A monthly SIP at a steady 12% a year, compounded monthly. Real returns move around year to year.
₹
% / yr
years
- Monthly EMI
- ₹52,069
- Total interest
- ₹64,96,655
- Total payable
- ₹1,24,96,655
₹
Salaried, under 60, standard deduction only. 80C, HRA and other deductions are not included. FY 2025-26 slabs with 87A rebate and marginal relief, plus 4% cess.
Old regime
₹1,63,800
on ₹11,50,000 taxable
New regime
₹0
on ₹11,25,000 taxable
Lower tax
More calculators on fermor.in, all free and without a login:
- PPF
- FD
- Lumpsum
- Gratuity
- SWP
- NPS
- Home loan
- HRA
Everything you own, in one honest view.
Stocks, mutual funds and ETFs side by side, with gains shown against what you actually put in. Sample data shown.
- Current value
- ₹13.01 L
- Invested
- ₹10.90 L
- Total gain
- +₹2.11 L (+19.4%)
| Holding | Invested | Current | Gain |
|---|---|---|---|
| HDFC BankStock | ₹1,20,000 | Current₹1,38,400 | Gain+15.3% |
| Reliance IndustriesStock | ₹1,50,000 | Current₹1,71,200 | Gain+14.1% |
| InfosysStock | ₹90,000 | Current₹82,300 | Gain-8.6% |
| Parag Parikh Flexi Cap FundMutual fund | ₹3,00,000 | Current₹3,92,500 | Gain+30.8% |
+ 3 more holdings
This is not investment advice
Fermor is educational and is not a SEBI-registered investment adviser. We show the arithmetic; the decision is yours.
Calculators run on your device
The numbers you enter in the calculators never leave your browser.
We only ask for your email
The waitlist is the only form on this page, and it asks for nothing else.
Questions, answered plainly.
A place to invest, track and plan your money, built around showing the arithmetic behind every number. It covers stocks, mutual funds, ETFs, portfolio tracking and calculators.
Yes. There are 20+ calculators for SIPs, loans, tax and more. They need no login and no payment.
No. Fermor is educational and is not a SEBI-registered investment adviser. The calculators show what the numbers do; the decision is yours.
The calculators run in your browser, and the numbers you enter never leave your device. The only thing we collect is the email you give the waitlist.
Join the waitlist below. Until Fermor opens up, you can use every calculator on this page right away.
See the math. Then make the move.
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