Investment
Every projection here is an estimate built on an assumed rate, and the assumption matters more than the arithmetic. Each tool shows its assumption set explicitly and a sensitivity range rather than a single confident number, because a single confident number about the future is the one thing nobody can honestly give you.
Mutual Funds
SIP CalculatorSIP maturity value, with both annuity conventions shown side by side. A SIP debits at the start of the month, so each instalment earns one extra period. Worth ₹23,004 on ₹10,000 a month at 12% for ten years.Step-Up SIP CalculatorA SIP that rises with your income each year, compared against a flat one. Stepping up by 10% a year roughly doubles the outcome over fifteen years. Most of it from instalments you had not yet started making.Inflation-Adjusted SIP CalculatorA stepped-up SIP with the result stated in today money. A large nominal corpus twenty years out buys much less than it appears to, and the step-up is what keeps the contribution real.Lumpsum Investment CalculatorLumpsum growth with the three things that decide what it is actually worth: inflation, tax and costs. A projected corpus is a nominal figure in a currency that will buy less by the time it arrives.SWP CalculatorHow long a corpus survives a systematic withdrawal plan. This is the amortisation formula in reverse, and the sustainable withdrawal (the one that never touches principal) is shown alongside.STP CalculatorA systematic transfer plan against deploying at once. Money waiting in the source fund earns the lower return, and that gap is the price of staging entry into the market.Mutual Fund Returns CalculatorMutual fund returns as both absolute and annualised figures. A sixty percent gain over four and a half years is not sixty percent a year and not thirteen either, because compounding is not division.Expense Ratio Impact CalculatorWhat an expense ratio difference costs over time. A gap of one and a half percentage points sounds trivial and typically consumes a quarter of the final corpus over twenty-five years.Exit Load CalculatorExit load on a redemption, and what waiting out the window would save. The load applies to the whole redemption value, not to the gain, which is why it bites hardest on a large investment with a small return.
Returns
CAGR CalculatorCompound annual growth rate, with the real return and the effect of contributions. CAGR is a smoothed rate describing two endpoints, so it says nothing about the path, and adding money along the way makes the simple root overstate.XIRR CalculatorThe annualised return on transactions that happened on real dates rather than on neat period boundaries. This is the right measure for a monthly investment plan, a portfolio with top-ups, or anything with irregular timing.IRR CalculatorThe rate at which a project exactly breaks even, found by root-find rather than approximation. Where the cashflows never change sign there is no such rate, and this says so instead of returning a number.NPV CalculatorNet present value of a cashflow series, with the internal rate of return and payback period alongside. A positive NPV means the project beats the rate you discounted at, and nothing more than that.Absolute vs Annualized Return CalculatorAbsolute and annualised return side by side. Dividing an absolute return by the number of years always overstates, and the error grows with both the return and the period.Rolling Returns CalculatorRolling returns across every window rather than a single point-to-point figure. Point-to-point returns depend entirely on the start date, and rolling returns remove that dependence.
Retirement
Retirement Corpus CalculatorThe retirement corpus that supports inflation-linked withdrawals for a stated number of years, and the monthly saving that builds it. The corpus is sized on the real return, not the nominal one.FIRE CalculatorThe portfolio that supports your expenses indefinitely, and how long it takes to build. The savings rate matters far more than the return, which is the finding that makes the whole idea work.NPS CalculatorNPS corpus and the pension it produces. The mandatory annuitisation of forty percent is the defining feature: that portion cannot be taken as cash and buys an annuity at whatever rate prevails then.NPS Annuity & Pension CalculatorWhat an NPS corpus produces as a pension, and what the lump sum you keep could produce alongside. The annuity rate is an insurer quote rather than a market return, and it is always the lower of the two.EPF CalculatorEmployee Provident Fund corpus at withdrawal, with the employer split shown honestly. Only about 3.67% of the employer's 12% reaches the fund; the rest goes to the pension scheme, and calculators that ignore that overstate a career by a third.EPF vs PPF ComparisonEPF against PPF over the same period. They are not alternatives: EPF carries an employer contribution and a higher rate, PPF is voluntary with a fixed limit, and most salaried people should hold both.VPF CalculatorVoluntary Provident Fund: contributing above the statutory twelve percent. The employer does not match the extra, so every additional rupee is entirely your own, earning the same declared rate.Pension Lump Sum vs Annuity CalculatorA pension lump sum against the annuity offered instead, compared on present value and on how long you would need to live for the annuity to win. The discount rate you assume decides the answer.Annuity Payout CalculatorAnnuity payouts against self-managed drawdown. An annuity buys certainty at the cost of return, and the return-of-purchase-price option costs about a percentage point of rate.
Portfolio
Portfolio Rebalancing CalculatorThe trades that return a portfolio to its target weights, with a band so small drifts are left alone and an option to rebalance with new money instead of selling. Selling to rebalance realises gains, which is a cost the drift often does not justify.Asset Allocation by Age CalculatorA starting allocation from age, horizon and how you behave in a fall. The age rules are a heuristic and nothing more, so the page shows what the rule gave before the adjustment and what moved it.Weighted Portfolio Return CalculatorThe weighted return of a portfolio, and how much of it each holding actually produced. Averaging the returns of the holdings equally is the common mistake and it flatters small winners badly.Sharpe Ratio CalculatorReturn per unit of risk, from a return series or from summary figures. The Sharpe ratio treats a good month and a bad month as equally risky, which is its central limitation and the reason the Sortino ratio exists.Sortino Ratio CalculatorThe Sharpe ratio with only downside volatility in the denominator. Where a strategy has occasional large gains the two ratios diverge sharply, and that gap is the point of the measure.Beta and Alpha CalculatorBeta and Jensen alpha from a return history, with the R squared that says whether the beta means anything. A beta fitted against a benchmark the asset barely tracks is a number without content, and the fit statistic is the only way to see that.Return Volatility CalculatorVolatility and Sharpe ratio from a series of returns. Volatility scales with the square root of time, so monthly volatility annualises by multiplying by the root of twelve rather than by twelve.Asset Correlation CalculatorCorrelation between two return series and what it does to a portfolio. Any correlation below one reduces portfolio volatility below the weighted average, which is the entire mathematical case for diversification.
Stocks
Stock Average / Cost Basis CalculatorThe weighted average cost of a holding built over several purchases, which is your real break-even. It is not the average of the prices: a larger purchase pulls the average further.Stock Profit & Loss CalculatorProfit on a share trade after costs, with the annualised return alongside the total. A 30% gain over five years is a very different result from the same gain in one, and only the annualised figure says which.Dividend Yield CalculatorDividend yield at the current price and on your own cost. The two diverge as soon as the price moves, and confusing them is why a long-held holding can look low-yielding when it is not.Stock Split CalculatorShare count and price after a split or reverse split. The total value does not change, which is the entire point and the thing most people are checking.
Trading
Position Size & Risk CalculatorHow many shares to buy so that hitting your stop costs a fixed share of the account. Position size is the risk decision; the entry is not.Brokerage & Charges CalculatorEvery charge on a round-trip trade, and the price move needed to cover them. On a small trade the charges can exceed the profit target, which is the number this exists to make visible.