Calculators
Do the maths before you call.
Every calculator states its assumptions on the page. Nothing is saved, nothing is submitted, and nobody rings you afterwards.
Life goals
A cost and a date. These inflate the cost and solve for the monthly figure.
Retirement Calculator A retirement calculator sizes the corpus your spending will need once you stop earning, then works out the monthly investment that reaches it.
Child Education Calculator This inflates the cost of a course to the year your child actually needs it, then works out the monthly investment that reaches that figure.
Child Marriage Cost Calculator A wedding is a dated goal with a known cost today, which makes it the same arithmetic as education.
Any Goal Planner Any goal with a cost today and a date behaves the same way: inflate the cost to the year you need it, then solve for the monthly investment that reaches it.
Investing and borrowing
What a monthly investment becomes, what a loan costs, and what an income draws down.
SIP Calculator A SIP calculator projects what investing a fixed amount every month could grow to over time, at an assumed rate of return.
SIP for a Target This works the SIP calculation backwards.
Cost of Delaying a SIP Delaying a SIP costs more than the instalments you skip, because the years you give up are the ones with the most compounding left in them.
Lumpsum Calculator A lumpsum calculator projects what a single investment made today could become, compounded annually at an assumed rate.
EMI Calculator An EMI calculator gives the fixed monthly instalment on a reducing-balance loan.
SWP Calculator A systematic withdrawal plan draws a fixed amount from a corpus each month while the remainder keeps earning.
Quick tools
Small pieces of arithmetic that are easy to get wrong in your head.
Present and Future Value Two sides of the same idea.
Weighted Average Return Your portfolio return is not the average of your holdings’ returns.
Irregular Cash Flow Return When money goes in and out at uneven times, a simple percentage gain says almost nothing.
Real Return After Inflation A nominal return tells you how the number grows.