Wealth & Investment Calculators

Each month’s instalment is grown at the monthly rate; the instalment itself rises by the step-up % at the start of every year. Computed month-by-month — no approximation.

Maturity = P × (1 + r)ᵗ — simple compound growth of a one-time investment at r% per year for t years.

Your existing corpus is first grown to the goal date; the shortfall is then solved for a monthly SIP using the annuity-due formula: SIP = Shortfall × i / [((1+i)ⁿ − 1)(1+i)].

Month by month: the corpus grows at the monthly rate, then the withdrawal is deducted. If the corpus runs out, the month of depletion is reported.

Expenses are inflated to your retirement year. The corpus needed is the present value of those monthly expenses over your retirement years at the REAL return ((1+post)/(1+inflation) − 1). The monthly SIP to build that corpus is then solved with the annuity-due formula.

EMI = P × i × (1+i)ⁿ / [(1+i)ⁿ − 1], with i = annual rate ÷ 12 and n = months. Total interest = EMI × n − P. Processing fee = P × fee%.

Maturity = P × (1 + r/m)^(m×t), where m is the compounding frequency per year. Indian banks typically compound FDs quarterly.

Future value of monthly deposits with monthly compounding (deposit at month-start): FV = D × [((1+i)ⁿ − 1)/i] × (1+i). Banks compound RDs quarterly, so actual maturity may differ marginally.

FV = D × [((1+r)ⁿ − 1)/r] × (1+r) — yearly deposits at the start of each year, compounded annually at the notified rate. PPF interest is tax-free (EEE).

Simple: A = P(1 + rt/100). Compound: A = P(1 + r/m)^(m×t) with m compounding periods per year.

Future cost = Amount × (1 + inflation)ᵗ. The same maths in reverse shows what a future amount is worth in today’s money.

Corpus starting today = SIP FV over the full horizon. Delayed corpus = FV over (horizon − delay). The gap is the cost of waiting — lost compounding time, not lost contributions.

Finds the number of months m where Existing×(1+i)^m + SIP×[((1+i)^m −1)/i]×(1+i) reaches the target (i = monthly return). Solved exactly, then rounded up to whole months.

Future cost = today’s cost ×(1+inflation)^years. Existing savings grow at the expected return; the SIP funds the remaining gap: SIP = gap × i ÷ [((1+i)ⁿ −1)(1+i)].

Target = monthly expenses × months of cover. Current savings grow at the fund return over the build-up period; the monthly saving fills the gap using the SIP future-value formula.

Expenses are inflated to the target year; FIRE number = those expenses ÷ safe withdrawal rate (e.g. ×25 at 4%). Existing corpus grows at the expected return; a SIP funds the shortfall.

Rule of 72: years to double ≈ 72 ÷ return. Exact: ln(2) ÷ ln(1 + r). Each further doubling takes the same time — that is the magic of compounding.

Corpus = SIP future value of contributions till retirement. At exit, the chosen % buys an annuity paying the annuity rate ÷ 12 monthly; the balance is a tax-free lump sum.

Deposits at the start of each year for 15 years; the account then keeps compounding (no deposits) and matures 21 years from opening: FV = D × [(1+r)²² − (1+r)⁷] ÷ r. Fully tax-free (EEE).

Simplified projection: (employee % + employer %) of a salary that steps up yearly, added monthly and compounded monthly at the EPF rate. EPFO actually credits interest yearly, so treat this as indicative.

NSC: A = P(1+r)⁵ — compounds yearly, everything paid at maturity. KVP: doubling time = ln(2) ÷ ln(1+r); at 7.5% that is 115 months (~9.6 yrs).

The loan is amortised month by month: interest accrues on the balance, payments reduce it. With prepayments the EMI stays the same, so the loan ends sooner — the interest gap is your saving.

Max EMI = income × FOIR − existing EMIs. Eligible loan = present value of that EMI stream: EMI × [1 − (1+i)⁻ⁿ] ÷ i. Lenders also weigh credit score, age and the property.

Flat interest = P × rate × years; EMI = (P + interest) ÷ months. We then solve for the reducing-balance rate that produces the same EMI — that is the loan’s true cost, usually ~1.8× the flat rate.

Human Life Value: present value of the income your family needs each year till the cover age — PV = need × [1 − (1+d)⁻ⁿ] ÷ d — plus loans, minus existing cover and liquid assets.