Calculators

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:

# 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.

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:

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.

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: GET (returns parameter schema/help), POST (runs simulation)
• URL: /api/calculator/swp_calculator
• Auth: Not required

A GET request returns the parameter schema with descriptions, defaults, and constraints.

Request body:

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

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: GET (returns parameter schema/help), POST (computes result)
• URL: /api/calculator/coast_fi_calculator
• Auth: Not required

A GET request returns the parameter schema with descriptions, constraints, and an example request body.

Request body:

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: