Calculators

"Interest rates rose by 5%" and "interest rates rose by 5 percentage points" describe a rate going from 4% to either 4.2% or 9% — completely different outcomes from the same starting point. Here's why "basis points" exists specifically to eliminate this ambiguity for interest rates, why the confusion is rampant in tax-rate and polling reporting, and why percentage points can't "compound" the way percentages do.

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.

The annual insurance premium that "suddenly" arrives every year isn't sudden at all — it's entirely predictable, and a sinking fund turns it into a small monthly amount that's already there when the bill comes. Here's how to identify your full calendar of irregular annual expenses, why the math is the same as RD goal calculations but simplified for short horizons, and why tracking multiple sinking funds separately (not commingled) matters.

Savings vehicle selection depends on goal timeline — under 12 months belongs in liquid funds, 1-5 years in RDs and FDs, 5+ years in equity. Here's why the RD's natural home is the medium-term goal range, how to build emergency fund savings with an RD (then transfer maturity to a liquid account), the sinking fund approach for predictable annual expenses, and the multiple simultaneous goal commitment check that reveals when total deposits exceed sustainable surplus.

Learn how a loan planner builds your full amortisation schedule, shows the interest-to-principal split every month, and helps you plan prepayments to save money on any loan.

Central banks target 2% inflation — not because it's optimal, but because zero is dangerous. Here's why the 2% target emerged from New Zealand in 1989, how raising interest rates reduces inflation (with an 18-month lag), why CPI and RPI give different numbers, and what actually causes hyperinflation.

Learn why small SIPs maintained for decades outperform larger short-term investments, how rupee cost averaging works in falling markets, step-up SIP strategies, and how to model any investment goal with a free SIP calculator.

Learn how fixed deposit interest is calculated, what affects your maturity amount, and how to use a free FD calculator to compare tenures and rates before you invest.

Learn the three core percentage calculations — find a percentage, calculate what percent one number is of another, and find percentage change — with real examples and a free calculator.

Learn why most retirement estimates are too low, how inflation and longevity compound the planning challenge, the key variables that determine your target corpus, and how a free retirement calculator gives you a defensible number.