Calculators

Calculators is a set of free financial calculators for investing, loans, savings, tax, stock trading and valuation. None of them need sign-in, and every one shows its formula alongside the result.

Open a calculator, adjust the inputs with sliders or by typing a value, and the result updates immediately. Most show a chart of how the number builds up over time, and every calculator ends with a plain-English explainer and a short FAQ.

Investing#

• SIP: the future value of a monthly investment, assuming contributions at the start of each month.
• Lumpsum: the future value of a one-time investment.
• Step-up SIP: a SIP where the monthly amount rises by a fixed percentage every year.
• SWP: how long a corpus lasts under a fixed monthly withdrawal.
• CAGR: the compound annual growth rate between an initial and a final value.
• Compound Interest: interest compounded annually, half-yearly, quarterly or monthly.
• Goal SIP: the monthly SIP needed to reach a target amount.
• Inflation: what a cost today becomes in the future at a given inflation rate.
• Rule of 72: roughly how long money takes to double or triple at a given rate.
• XIRR: the annualised return of investments made at different times, such as a SIP.
• Future Value and Present Value: the time value of a lump sum.
• FIRE and Coast FIRE: the corpus needed for financial independence, and the amount today that would grow into it without further contributions.

Stock market#

• Stock Average: your average buy price across multiple purchases.
• Stock Return: total and annualised return on a trade, including dividends.
• Position Size: how many shares to buy so a stop-loss hit risks a fixed percentage of your capital.
• Risk Reward: the risk-reward ratio of a trade setup and the win rate needed to break even.
• Brokerage: brokerage, STT and other charges on a trade, and the resulting net profit or loss.
• Break Even: the price a stock must reach to recover your cost after charges.
• Options P&L: profit, loss and break-even for a bought call or put option.

Valuation#

• DCF: a two-stage discounted cash flow estimate of fair value per share.
• Graham Number: Benjamin Graham's formula for the maximum price a defensive investor should pay.
• Intrinsic Value: Graham's revised formula, using expected growth and the prevailing bond yield.
• PEG Ratio: P/E divided by earnings growth.
• Earnings Yield: earnings as a percentage of price, the inverse of P/E.
• Margin of Safety: how far below your estimate of intrinsic value a stock trades.

Dividend#

• Dividend Yield: current yield, and yield on your original buy price.
• Dividend Reinvestment: how reinvesting dividends compounds a holding over time.

Loans#

• EMI, Home Loan, Car Loan, Personal Loan and Education Loan: the monthly instalment, total interest and (where relevant) a year-wise amortisation schedule.
• Loan Prepayment: how a one-time prepayment cuts your remaining tenure and interest, keeping the EMI unchanged.

Savings and retirement#

• FD and RD: maturity value of a fixed or recurring deposit, compounded quarterly.
• PPF: maturity value of a Public Provident Fund account over its lock-in.
• EPF: your Employees' Provident Fund corpus at retirement, assuming standard employee and employer contributions.
• NPS: your National Pension System corpus, the mandatory annuity portion, and the resulting monthly pension.
• Retirement: the corpus you need at retirement, inflation-adjusted, and the monthly SIP required to reach it.

Tax and salary#

• Income Tax: compares the new and old tax regimes for the current financial year.
• GST: adds or removes GST from an amount and splits it into CGST and SGST.
• HRA: your House Rent Allowance exemption under Section 10(13A).
• Gratuity: gratuity payable on leaving a job, capped at the statutory tax-free limit.
• Capital Gains Tax: short-term and long-term capital gains tax on an equity trade.
• In-Hand Salary: an estimate of monthly take-home pay from your CTC.

What every calculator assumes#

Each calculator states its own assumptions in its explainer, and they matter: tax calculators use the current financial year's slabs and rates, loan calculators assume a standard reducing-balance EMI, and return-based calculators (SIP, lumpsum, DCF, and others) depend entirely on the rate of return you enter. Change the rate and every downstream figure changes with it. None of these calculators can know your future return, tax bracket or interest rate; treat every result as an estimate under the assumptions you set, not a forecast.

This is for informational purposes only and not investment advice. Please consult a SEBI-registered advisor before investing.