Calculators

Delaying retirement by 2-3 years doesn't just give you "a bit more savings time" — it simultaneously increases contributions, shrinks the withdrawal period, and gives your existing corpus more years to compound before withdrawals begin. Here's why these three effects compound together to produce wildly disproportionate changes to retirement-readiness numbers, why early retirement (FIRE) requires such large corpora, and why semi-retirement offers a partial middle ground.

Lump sum beats SIP 67% of the time theoretically — and SIPs almost always win in practice, because most people don't have a lump sum, and those who do often never invest it. Here's what the research shows, the cost of missing the market's best days, and what a 15-year SIP actually produces.

Learn the three types of percentage problems, why percentage change must use the original as the base, the asymmetry of gains and losses, and how to use a free percentage calculator for any scenario.

Learn how progressive income tax slabs work, why your effective rate is lower than your marginal rate, which deductions reduce your liability, and how to use a free tax calculator to verify TDS and plan optimally.

Sequence of returns risk means two investors with identical average returns can have completely different outcomes — the one who gets poor returns early runs out of money first. Here's how withdrawal rate, flexible spending strategies, annuity vs drawdown, and the annuity break-even calculation determine whether retirement lasts 15 years or 40.

Businesses access finance structures that individuals can't: hire purchase vs operating lease for assets, invoice discounting to unlock cash from unpaid invoices, revolving credit facilities vs overdrafts, and EBITDA-based leverage ratios that determine how much a business can borrow.

Inflation transfers wealth from cash savers and fixed-income investors to fixed-rate debtors and real asset holders. Here's who benefits from inflation (property owners with fixed mortgages, governments with large debt), who loses (cash savers, bond holders, fixed-income retirees), and why these dynamics matter for portfolio construction.

Discover how compound interest creates exponential wealth, why starting early beats starting big, how fees destroy compounding over time, and how to model any investment scenario with a free compound interest calculator.

Banks use different day-count conventions (Actual/365, Actual/360, 30/360) that produce different interest amounts on the same deposit. Here's how these conventions work, why fiscal years differ by country, ISO 8601 week numbering, and the business days vs calendar days distinction in contracts.

The EMI calculator gives a monthly payment — but total interest, LTV impact on rate, fixed vs tracker mortgages, and the overpayment calculation are what determine whether a mortgage is actually affordable over 25 years. Here's how mortgage amortisation works with real numbers.