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.
EPF wage ceiling calculator
PF contribution on the old Rs 15,000 and the new Rs 25,000 wage ceiling, side by side.
Share buyback tax calculator
Tax on a share buyback as capital gains from 1 April 2026, against the earlier dividend-style rule.
Mutual fund expense calculator
Add up a scheme’s base expense ratio, brokerage and levies, and see what they cost in rupees over the years.
Sovereign Gold Bond exit tax checker
Which tax rule applies to a Sovereign Gold Bond exit from 1 April 2026, and the arithmetic if the gain is taxable.
Gratuity under the labour codes
Gratuity on your basic pay today, and on the wage base under the 50% rule in the labour codes, side by side.
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.