Value of Money & Rates
13 live · 13 in allFuture Value Calculator
What a lumpsum grows to, at any compounding frequency.
LivePresent Value Calculator
What a future amount is worth today.
LivePMT Calculator
Regular instalment to reach a future value or repay a present value — ordinary annuity or annuity due.
LiveRequired Rate of Return Calculator
Rate needed to turn one amount into another in a given time, with optional regular contributions.
LiveTime to Goal Calculator
How long it takes to reach a target amount (NPER).
LiveNominal ↔ Effective Rate Calculator
Convert between nominal and effective rates for any compounding frequency, including continuous.
LiveReal Rate of Return Calculator
Return after inflation (and optionally after tax).
LiveInflation Calculator
Future cost of today's expenses and the loss of purchasing power.
LiveDeferred Goal Calculator
Corpus needed when a goal's payments start, then the lumpsum or SIP needed today.
LiveGrowing Annuity Calculator
Present and future value of payments that grow each period.
LivePerpetuity Calculator
Value of a perpetuity and a growing perpetuity.
LiveRule of 72 Calculator
Doubling, tripling and quadrupling time by rule of thumb (72/114/144) vs exact.
LiveSimple vs Compound Interest Calculator
Side-by-side growth under simple and compound interest.
LiveReturns & Performance
13 live · 13 in allCAGR Calculator
Compound annual growth rate, plus target value and years needed.
LiveXIRR Calculator
Annualised return on irregular, dated cash flows — matches Excel's XIRR.
LiveIRR & NPV Calculator
IRR of periodic cash flows and NPV at a chosen rate.
LiveAbsolute Return Calculator
Absolute, simple annualised and compound annual return, and holding-period return.
LiveWeighted Return Calculator
Weighted-average return of a portfolio.
LiveSharpe Ratio Calculator
Excess return per unit of total risk.
LiveTreynor Ratio Calculator
Excess return per unit of market (beta) risk.
LiveJensen's Alpha Calculator
Return above what CAPM predicts for the risk taken.
LiveSortino Ratio Calculator
Excess return per unit of downside risk.
LiveInformation Ratio Calculator
Active return per unit of tracking error.
LiveSovereign Gold Bond Return Calculator
XIRR on the issue price with semi-annual interest and redemption value, before and after tax.
LiveReal Estate Return Calculator
IRR, NPV and rental yield from purchase costs, rent, appreciation and sale.
LiveInsurance Policy IRR Calculator
IRR of premiums paid and benefits received on an endowment, money-back or ULIP.
LiveGoal Planning
10 live · 10 in allGoal SIP Calculator
Monthly SIP needed to reach a goal, after inflation and any savings you already have.
LiveGoal Lumpsum Calculator
One-time investment needed today to reach a goal.
LiveStep-up SIP Calculator
Future value of an SIP that rises every year.
LiveGoal Step-up SIP Calculator
Starting SIP needed for a goal when you raise it every year.
LiveSIP + Lumpsum Calculator
Combined growth of a lumpsum and a monthly SIP.
LiveCost of Delaying an SIP
What starting a few years late costs you.
LiveSTP Calculator
Systematic transfer from one fund to another — balances, transfers and growth.
LiveMultiple Goals Planner
Up to six goals, each with its own inflation and horizon, combined into one SIP or lumpsum.
LiveChild Education & Marriage Planner
Corpus and SIP for a child's education and marriage.
LiveAsset Rebalancer
Current vs target allocation — how much to move between asset classes (illustrative).
LiveRetirement & Pension
13 live · 13 in allAdvanced Retirement Planner
Corpus and SIP with separate pre- and post-retirement returns, life expectancy, existing savings and step-up.
LiveRetirement Bucket Calculator
Two or three buckets: corpus per bucket and the return each one needs.
LiveRetirement Stress Test
Your plan under higher inflation, longer life and lower returns.
LiveMonte Carlo Retirement Simulator
Thousands of market paths: chance of success and percentile bands.
LiveSWP Sustainability Calculator
How long a corpus lasts with inflation-linked withdrawals.
LivePPF Calculator
Year-by-year PPF balance, extensions, and loan and withdrawal eligibility.
LiveEPF Calculator
EPF balance at retirement, with taxable interest on contributions above the threshold.
LiveNPS Calculator
NPS corpus, lumpsum and annuity split under current exit rules, and a pension estimate.
LiveAnnuity Calculator
Pension from an immediate or deferred annuity at the rate you enter.
LiveGratuity Calculator
Gratuity under the Payment of Gratuity Act, covered or not, and the tax-exempt part.
LiveLeave Encashment Calculator
Leave encashment amount and the exempt portion.
LivePension Commutation Calculator
Commuted lumpsum and reduced pension from the commutation factor.
LiveEDLI Calculator
EDLI benefit within the current minimum and maximum.
LiveBonds, Deposits & Small Savings
14 live · 14 in allFD Calculator
Fixed deposit maturity — cumulative or payout, quarterly compounding.
LiveRD Calculator
Recurring deposit maturity value.
LiveBond Price Calculator
Price of a bond from coupon, yield and maturity.
LiveYTM Calculator
Yield to maturity and yield to call.
LiveCurrent Yield Calculator
Annual coupon as a share of the market price.
LiveZero-Coupon Bond Calculator
Price and yield of a zero-coupon bond.
LiveBond Duration Calculator
Macaulay and modified duration, convexity and price change for a yield move.
LiveAccrued Interest Calculator
Accrued interest and clean/dirty price on 30/360 or Actual/365.
LiveSCSS Calculator
Senior Citizens' Savings Scheme quarterly interest and maturity.
LivePost Office MIS Calculator
Monthly income from the Post Office Monthly Income Scheme.
LiveSukanya Samriddhi Calculator
Sukanya Samriddhi Yojana balance and maturity.
LiveNSC Calculator
National Savings Certificate maturity value.
LiveKVP Calculator
Kisan Vikas Patra doubling period and maturity.
LiveFD vs Debt Fund Calculator
Post-tax comparison of a fixed deposit and a debt fund.
LiveRisk & Portfolio
8 live · 8 in allStandard Deviation Calculator
Mean, variance and standard deviation — sample or population, annualised.
LiveExpected Return Calculator
Probability-weighted return and standard deviation across scenarios.
LiveCovariance & Correlation Calculator
Covariance and correlation of two return series.
LivePortfolio Risk Calculator
Risk and return of a 2–3 asset portfolio, with the efficient frontier for two assets.
LiveBeta Calculator
Beta from a return series or from covariance and variance.
LiveCAPM Calculator
Required return and an SML check — over- or under-valued.
LiveCapital Market Line Calculator
Expected return for a level of total risk on the CML.
LiveDividend Discount Model Calculator
Share value by the Gordon, two-stage and multi-stage models.
LiveInsurance
8 live · 8 in allHuman Life Value Calculator
Present value of your future income contribution to the family.
LiveTerm Insurance Need Calculator
Cover needed for expenses, loans and goals, less existing assets and cover.
LiveBuy Term & Invest the Difference
Term cover plus SIP compared with an endowment or ULIP.
LiveHealth Claim Payout Calculator
Claim payout after deductible, co-pay, room-rent proportionate deduction and sum insured.
LiveUnder-insurance Calculator
Average clause for fire, property and machinery claims, less excess.
LiveMachinery Sum Insured Calculator
Reinstatement value vs indemnity (depreciated) value.
LiveSurrender Value Calculator
Guaranteed and special surrender value from the factors you enter, and policy-loan amount.
LiveAnnuity Options Comparison
Compare annuity options using the rates you enter.
LiveTax
8 live · 8 in allIncome Tax Calculator
Tax under the new regime, with an optional old-regime comparison.
LiveCapital Gains Calculator
Tax on equity, debt funds, property, gold and unlisted shares, with grandfathering and holding periods.
LiveTax Harvesting Calculator
Book gains within the annual LTCG exemption.
LiveHRA Exemption Calculator
Exempt and taxable house rent allowance.
LiveDepreciation Calculator
SLM vs WDV schedule, and the WDV rate from life and salvage value.
LiveESOP Tax Calculator
Perquisite tax at exercise and capital gain at sale.
LiveAdvance Tax Calculator
Instalment due dates and interest for shortfall or deferment.
LivePost-tax Return Calculator
Compare products after tax at your slab.
LiveFinancial Health
7 live · 7 in allBudget Calculator (50/30/20)
Split take-home pay into needs, wants and savings.
LiveNet Worth Calculator
What you own minus what you owe.
LiveEmergency Fund Calculator
How big your emergency fund should be.
LivePersonal Finance Ratios
Savings, liquidity, debt-to-income, solvency and leverage ratios.
LiveRent vs Buy Calculator
Renting and investing vs buying with a home loan.
LiveCash vs Loan Calculator
Pay cash or borrow and keep your money invested.
LiveCredit Card Payoff Calculator
The minimum-due trap: months and interest to clear the balance, and a fixed-payment alternative.
LiveNo calculators match that search. Try a simpler word, such as “EMI”, “SIP” or “tax”.
Calculators are for illustration and education. Results depend on the assumptions you enter and are not investment, tax or legal advice.
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