Calculators

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All calculator endpoints are under /api/calculator/. No API token required.

SIP Calculator

Calculate SIP or lump-sum maturity value with optional annual step-up.

• Method: POST
• URL: /api/calculator/sip_calculator
• Auth: Not required

Request body:

Parameter	Type	Required	Constraints	Description
investmentType	string	Yes	"sip" or "lump"	Monthly SIP or one-time lump sum
amount	number	Yes	> 0, max 10 Cr	Monthly SIP amount or lump-sum amount in INR
annualReturnRatePercent	number	Yes	0-30	Expected annual return (e.g., 12 = 12%)
durationYears	int	Yes	1-40	Investment duration in years
annualStepUpPercent	number	No	0-50, default 0	Annual SIP increment %. SIP only.

# Flat SIP — Rs 10,000/month for 10 years at 12%
curl -s -X POST https://api.indvested.com/api/calculator/sip_calculator \
  -H "Content-Type: application/json" \
  -d '{"investmentType": "sip", "amount": 10000, "annualReturnRatePercent": 12, "durationYears": 10}'

{
  "investmentType": "sip",
  "monthlySipAmount": 10000,
  "annualStepUpPercent": 0,
  "annualReturnRatePercent": 12,
  "durationYears": 10,
  "maturityValue": {
    "totalCorpus": 2323391,
    "totalAmountInvested": 1200000,
    "wealthGained": 1123391,
    "formatted": { "locale": "en_IN", "totalCorpus": "23,23,391" }
  },
  "yearlyBreakdown": [
    {
      "year": 1,
      "monthlySipAtYearStart": 10000,
      "totalInvestedByYearEnd": 120000,
      "corpusByYearEnd": 127391,
      "wealthGainedByYearEnd": 7391
    }
  ]
}

Lump-sum response has the same structure but with lumpSumAmount instead of monthlySipAmount.

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Goal Planner

Reverse-SIP calculator: given a target corpus and duration, compute the required monthly SIP across multiple expected return rates.

• Method: POST
• URL: /api/calculator/goal_planner
• Auth: Not required

Request body:

Parameter	Type	Required	Constraints	Description
targetCorpus	number	Yes	> 0, max 1000 Cr	Target corpus in INR
durationYears	int	Yes	1-40	Investment duration in years
returnRates	number[]	No	Each 0-30, max 10 items, default [8,10,12,14,15]	Annual return rates to compute SIP for

curl -s -X POST https://api.indvested.com/api/calculator/goal_planner \
  -H "Content-Type: application/json" \
  -d '{"targetCorpus": 10000000, "durationYears": 15, "returnRates": [8, 10, 12, 15]}'

{
  "targetCorpus": 10000000,
  "durationYears": 15,
  "resultsPerReturnRate": [
    {
      "annualReturnRatePercent": 8,
      "requiredMonthlySip": 30259,
      "totalAmountInvested": 5446620,
      "wealthGained": 4553380,
      "formatted": { "locale": "en_IN", "requiredMonthlySip": "30,259" }
    },
    {
      "annualReturnRatePercent": 12,
      "requiredMonthlySip": 20017,
      "totalAmountInvested": 3603060,
      "wealthGained": 6396940,
      "formatted": { "locale": "en_IN", "requiredMonthlySip": "20,017" }
    }
  ]
}

requiredMonthlySip is the ceiling of the exact value to ensure the target corpus is always met.

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SWP Calculator

Simulate a Systematic Withdrawal Plan with non-linear (randomized) returns, inflation, and lifestyle inflation. The simulation generates a random sequence of annual returns whose geometric mean matches your expected return exactly, modeling realistic non-linear market behavior.

• Method: POST
• URL: /api/calculator/swp_calculator
• Auth: Not required

Request body:

Parameter	Type	Default	Description
rule	float	0.04	Withdrawal rule, max 0.2 (e.g., 0.04 = 4% rule)
startingCorpus	float	5	Starting corpus in Crores (min 1)
primaryVestedDuration	int	1	Years to grow corpus before withdrawals begin
yearsToCalculate	int	15	Withdrawal period in years (max 30)
expectedReturn	float	0.12	Expected CAGR as decimal, max 0.3 (e.g., 0.12 = 12%)
lowestExpectedReturn	float	-0.17	Worst-case annual return for simulation
highestExpectedReturn	float	0.35	Best-case annual return for simulation
assumedInflation	float	0.08	Annual inflation rate, max 0.1
lifestyleInflation	float	0.05	Additional lifestyle inflation per year, max 0.15
withdrawalAmtPerYear	float	rule x corpus	First-year withdrawal in Crores

curl -s -X POST https://api.indvested.com/api/calculator/swp_calculator \
  -H "Content-Type: application/json" \
  -d '{
    "rule": 0.04,
    "startingCorpus": 5,
    "primaryVestedDuration": 1,
    "yearsToCalculate": 15,
    "expectedReturn": 0.12,
    "assumedInflation": 0.08,
    "lifestyleInflation": 0.05
  }'

Response includes:

• initialInvestment — starting corpus details
• yearlyData — year-by-year corpus tracking with withdrawal amounts and randomized returns
• finalSummary — total withdrawn, final corpus, inflation-beating check
• All monetary values are in Crores

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COAST FI Calculator

COAST FI status checker and SIP gap planner. Computes the minimum corpus needed today to “coast” to your retirement target, checks if you’re already there, and calculates the required monthly SIP (fixed or step-up).

• Method: POST
• URL: /api/calculator/coast_fi_calculator
• Auth: Not required

Request body:

Parameter	Type	Required	Constraints	Description
currentAge	int	Yes	18-70	Current age
retirementAge	int	Yes	19-80, > currentAge	Planned retirement age
currentCorpus	number	Yes	>= 0, max 1000 Cr	Current invested corpus in INR
currentMonthlySip	number	Yes	>= 0, max 10 Cr	Current monthly SIP in INR
targetCorpus	number	Yes	> 0, max 1000 Cr	Target retirement corpus in INR
targetCorpusBasis	string	Yes	"retirement_nominal" or "today_value"	Whether target is retirement-year nominal or present-day value
annualReturnRatePercent	number	Yes	0-30	Expected annual portfolio return (%)
contributionMode	string	No	"fixed" or "step_up", default "fixed"	SIP growth style
annualStepUpPercent	number	No	0-50, default 0	Annual SIP step-up % (for step_up mode)
inflationRatePercent	number	No	0-15	Used for real-return analytics and today_value target conversion

curl -s -X POST https://api.indvested.com/api/calculator/coast_fi_calculator \
  -H "Content-Type: application/json" \
  -d '{
    "currentAge": 30,
    "retirementAge": 55,
    "currentCorpus": 2500000,
    "currentMonthlySip": 20000,
    "targetCorpus": 30000000,
    "targetCorpusBasis": "retirement_nominal",
    "annualReturnRatePercent": 11,
    "contributionMode": "step_up",
    "annualStepUpPercent": 10,
    "inflationRatePercent": 6
  }'

Key response fields:

Field	Description
isAlreadyCoastFI	Whether current corpus already meets COAST FI threshold
coastFICorpusToday	Corpus needed now to reach target by retirement without further contributions
requiredMonthlySip	Minimum total monthly SIP needed
requiredAdditionalMonthlySip	Incremental SIP over your current SIP
isCurrentSipSufficient	Whether existing SIP is enough to hit target
projectionYearlyBreakdown	Annual table with corpusAtYearStart, contribution, growth, corpusAtYearEnd