Calculate the future value of your Systematic Investment Plan (SIP). Enter monthly amount, expected return, and tenure to see maturity value and total gains. Supports both beginning and end of month deposit modes.

Formula: FV = P × [(1 + r)ⁿ − 1] / r, where r = monthly rate, n = total months

Simulate a Systematic Transfer Plan — moving money from a source fund (e.g. liquid fund) to a target fund (e.g. equity) monthly. Shows remaining source corpus and accumulated target value at end of tenure.

Use case: Deploy a lumpsum gradually to reduce timing risk (rupee cost averaging)

Plan Systematic Withdrawal Plan for regular monthly income from a corpus. Enter initial amount, monthly withdrawal, return rate and tenure to see balance remaining. Ideal for retirement income planning.

Tip: If balance stays positive at end, your corpus sustains the withdrawal indefinitely

Calculate maturity value of a one-time lumpsum investment using compound interest. Enter principal, expected annual return, and investment period to get future value and absolute return percentage.

Formula: FV = P × (1 + r)ⁿ — annual compounding

Calculate FD maturity amount and interest with multiple compounding options — monthly, quarterly, half-yearly, and yearly. Supports tenure in years or months. Ideal for comparing bank FD offers.

Formula: A = P × (1 + r/n)^(nt), where n = compounding frequency

Calculate monthly EMI, total interest payable and total repayment for home loans, car loans, personal loans. Enter loan amount, interest rate, and tenure. Includes pie chart showing principal vs interest split.

Formula: EMI = P × r × (1+r)ⁿ / [(1+r)ⁿ − 1]

Find the monthly SIP needed to achieve a financial goal — child's education, marriage, home purchase. Factors in inflation to calculate the inflation-adjusted future goal cost. Supports existing corpus deduction.

Tip: Use 6% inflation for education goals, 5% for general goals

Calculate Extended Internal Rate of Return (XIRR) for irregular cash flows — exactly like Excel's =XIRR() function. Enter multiple investments (negative) and redemptions (positive) with actual dates to get true annualised return.

Use case: Mutual fund portfolio returns, SIP with irregular investments

Calculate Compound Annual Growth Rate — the steady annual growth rate from a starting value to an ending value over time. Use manual tenure (years/months) or enter actual start and end dates for precision.

Formula: CAGR = (FV/PV)^(1/n) − 1

Calculate the retirement corpus needed and monthly SIP required to build it. Accounts for inflation, life expectancy, existing savings, pre and post-retirement returns. Shows monthly income your corpus can sustain.

Tip: Use 6–7% inflation, 12% pre-retirement return, 7% post-retirement return as defaults

Calculate National Pension System corpus and monthly pension at retirement. Shows lumpsum (tax-free) and annuity split. Includes annual tax saving estimate under Section 80CCD(1B) — up to ₹50,000 extra deduction.

Note: Minimum 40% of NPS corpus must be used to purchase annuity as per PFRDA rules

Calculate bond YTM, price, clean/dirty price, accrued interest, duration and convexity using exact Newton-Raphson method. Supports 30/360 (G-Sec) and Actual/365 (NCD) day count conventions, taxable and tax-free bonds (NHAI, REC, PFC, IRFC), date-based maturity with coupon-by-coupon cash flow table, tax-equivalent yield, and interest rate sensitivity analysis.

India standard: 30/360 day count, semi-annual coupon, clean price convention (matches RBI/NSE/NDS-OM)

Calculate exact trading charges for NSE/BSE — Equity Delivery, Intraday, F&O Futures and Options. Includes STT, exchange charges, SEBI fee, stamp duty and GST. Shows net P&L and breakeven price.

Brokers supported: Zerodha, Angel One, Upstox, HDFC, ICICI, SBI + Custom