Tools and calculators
Simple calculators for the arithmetic behind loans, growth and results. Each one shows its formula and its assumptions, so you can check the working.
Calculators
EMI calculator
Monthly instalment, total interest and the year-by-year split for a reducing-balance loan.
CAGR calculator
The single yearly growth rate that links a starting value to an ending value.
SIP calculator
What regular monthly investments would add up to at a rate you choose. Illustrative only.
Compound interest calculator
How a single amount grows when each year’s growth is added to the base.
Inflation calculator
What an amount would cost later, and what it would buy later, at an inflation rate you choose.
YoY and QoQ growth calculator
Percentage change between two figures, the way results statements show growth.
Reality corner
Headline numbers hide things. Reality corner shows 5 of them as quick, adjustable checks: the recovery trap, the real return, the cost you do not see, the true price of a loan, the rule of 72.
These tools do arithmetic on the numbers you enter. They are for illustration and education. They do not predict returns, and they are not investment, tax or financial advice. Returns are not guaranteed.