Calculators

A fund with NAV ₹10 is not cheaper or better value than a fund with NAV ₹500 — NAV is total assets divided by units outstanding, reflecting fund age and accumulated history, not future return potential. Here's the worked example showing identical percentage returns regardless of NAV level, the metrics that actually predict fund quality (expense ratio, manager tenure, AUM appropriateness), and why direct plans' lower expense ratio compounds to a meaningful difference over a 20-30 year SIP horizon.

A 5.00% account compounding annually and a 4.95% account compounding daily aren't equivalent — the daily-compounding account actually pays more, once "effective annual rate" accounts for the compounding frequency. Here's the nominal-vs-effective rate formula, the continuous-compounding limit (e^r), why APR/APY terminology varies by jurisdiction, and how this same math determines the real cost of credit card debt.

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.

The 0.25-0.50% senior citizen FD premium isn't charity — it reflects banks competing for a high-balance, high-retention depositor segment. Here's why the Section 80C tax-saver FD sometimes loses to a regular FD at a higher rate once you account for the 5-year lock-in, how to correctly compare "special tenure" FDs at unusual maturities, and why NRE FDs have been particularly attractive for NRIs when Indian rates exceed foreign deposit rates.

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 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.

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.

Learn how EMI is structured, why early prepayment saves the most, and how to use the three levers — principal, rate, and tenure — to reduce your total loan cost, with a free EMI calculator.

"Business day" isn't legally standardized — its meaning depends on whether you're counting bank days, stock exchange trading days, or standard Monday-Friday minus holidays in a specific jurisdiction. Here's why 30 business days is approximately 6 calendar weeks, the T+1/T+2 settlement convention for financial markets, why legal notice periods need both a jurisdiction and a "does the notice day count?" specification, and why public holiday calendars vary dramatically by region and year.

Learn how EMI is calculated, what affects your monthly loan payment, and how to use a free EMI calculator to plan home loans, car loans, and personal loans with real examples.