Calculators

The FIRE movement works backwards from retirement: annual income needed ÷ 4% = the portfolio target. Here's the reverse budgeting process, the savings rate vs timeline table (50% savings rate = FIRE in 17 years), CoastFIRE calculations, and why savings rate matters more than income level.

Learn how compound interest works and use our free calculator to project your savings or investment growth with real numbers, worked examples, and practical tips.

Saving ₹5,00,000 for a car in 3 years at 6% inflation means arriving short by about ₹95,000 — because the car will cost ₹5,95,508 when you get there. Here's how to adjust a savings goal for inflation before entering it into the calculator, why the real interest rate (nominal minus inflation) determines whether your RD barely keeps up or meaningfully grows purchasing power, and how education and property inflation running faster than CPI makes long-horizon goals particularly sensitive to this adjustment.

A savings goal has four variables and you choose two. When the required deposit is too high, there are exactly four levers — and timeline is usually the most effective.

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.

Fixed deposits compete with government bonds, money market accounts, and UK Premium Bonds for the same conservative savings money. Here's how each works, the inflation-adjusted real return calculation, when Premium Bonds beat FDs for higher-rate taxpayers, and how to choose based on liquidity needs.

Adding one month to 31 January has no correct answer, and "add one day" isn't "add 24 hours". The date arithmetic edge cases that break calendars and billing systems.

Down 50% then up 50% leaves you down 25%. Percentages multiply rather than add, and losing track of the base causes errors in pricing, VAT and risk reporting alike.

The same SIP grows to the same gross value in or outside a tax wrapper — but after UK ISA, US Roth IRA, or Indian ELSS tax efficiency, you keep far more. Here's the mathematics of tax drag over 30 years, how each country's key tax wrappers work, and why maximising wrappers before taxable investing is foundational.

Stopping a SIP during a market downturn is the most damaging timing mistake — it's when NAV is lowest, meaning each monthly contribution buys the most units cheapest, and those units benefit most from the recovery. Here's what actually happens to accumulated corpus when a SIP stops (it stays invested, doesn't sell), the three situations where stopping is financially rational, and why redeeming units during a downturn converts a paper loss into a permanent one.