Investment Calculators

Investment Calculators - Project Your Wealth with Precision

Every investment decision benefits from clear numbers: How much will my SIP corpus be in 20 years? What is the effective yield on my FD? How does PPF compare to ELSS over 15 years? These calculators give exact projections so you can compare options, set realistic targets, and understand the compounding effect on your wealth.

Thirty-One Investment Calculators

Fixed-Income and Deposit Instruments

SIP Calculator - Projects the future value of a Systematic Investment Plan using the annuity formula FV = P × ((1+r)^n − 1) / r × (1+r). Shows invested amount, estimated returns, and total corpus.

FD Calculator - Fixed deposits with guaranteed returns. Supports both cumulative (reinvested) and non-cumulative (payout) FDs with quarterly compounding per RBI mandate.

FD Calculator: Fixed Deposit Calculator - Three-mode FD calculator: Maturity (compute maturity amount, interest earned, and Effective Annual Rate for any principal, rate, tenure, and compounding frequency), Reverse FD (find the principal to deposit now to reach a target maturity amount), and Compare FDs (enter two FD plans side by side to see which yields more and by how much).

RD Calculator - Recurring Deposit maturity value, total deposited, and total interest earned for monthly fixed-return savings schemes.

PPF Calculator - Public Provident Fund with EEE tax treatment and government-set rate (revised quarterly by the Ministry of Finance — verify the current rate at indiapost.gov.in or your bank). Models the annuity-due interest crediting structure over the 15-year lock-in, with optional 5-year extension blocks.

Money Market Account Calculator - Projects the future value of a money market account using A = P(1 + r/n)^(nt) with monthly, daily, or quarterly compounding, plus an optional recurring monthly deposit. Shows future value, total deposited, interest earned, and the effective annual yield (APY).

Simple Interest Calculator - SI = P × R × T / 100. Useful for short-term instruments and as a baseline comparison against compound growth.

Compound Interest and Growth Rate Tools

Compound Interest Calculator - A = P(1 + r/n)^(nt) with selectable compounding frequency (annual, semi-annual, quarterly, monthly, daily). Demonstrates why monthly compounding beats annual compounding for the same stated rate.

Compound Interest Rate Calculator - Two modes: (1) Find Rate - solve r = n x ((A/P)^(1/nt) - 1) to find the annual interest rate from principal, final amount, and time; (2) Find Time - solve t = ln(A/P) / (n x ln(1 + r/n)) to find how long to reach a target amount. Also shows Effective Annual Rate (EAR) and growth factor.

Continuous Compound Interest Calculator - Four modes to solve A = Pe^(rt): find future value, principal, annual rate, or time. Also shows Effective Annual Rate (EAR = e^r − 1). Used in advanced finance, derivatives pricing, and comparing compounding frequencies.

APY Calculator - Convert any nominal interest rate to Annual Percentage Yield (APY) for any compounding frequency. Compare two savings accounts side by side on APY, final balance, and total interest earned. Shows effective monthly and daily rates.

CAGR Calculator - Compound Annual Growth Rate: (End Value / Begin Value)^(1/Years) - 1. The standard metric for comparing investment performance across different time periods.

CAGR Calculator: Compound Annual Growth Rate - Three-mode CAGR solver: Find CAGR (enter start value, end value, years), Find Ending Value (project future value at a given CAGR), Find Years Needed (how long to reach a goal). Shows total return, net gain, investment multiple, and Rule of 72 doubling time. Multi-currency support.

Time Value of Money

Present Value Calculator - Three-mode PV calculator: Lump Sum (PV = FV/(1+r/n)^nt), Annuity (ordinary and annuity due), and Perpetuity (fixed and Gordon Growth Model growing perpetuity). Used for bond pricing, pension valuation, and equity DDM.

Future Value Calculator - Full time-value-of-money (TVM) solver with four modes: Find Future Value (FV = PV x (1+r/n)^nt), Find Present Value, Find Rate (implied CAGR), and Find Time. Shows effective annual rate (EAR) and growth factor for every calculation.

Discount Rate Calculator - Two modes: (1) Find Discount Rate - given present value, future value, and years, compute r = (FV/PV)^(1/n) - 1 (equivalent to CAGR); (2) Find Present Value - given future value, discount rate, and years, compute PV = FV / (1+r)^n. Shows total return %, growth multiple, total gain, discount amount, and discount percentage. Used for DCF analysis, investment appraisal, and time-value-of-money calculations.

Investment Calculator - Projects future value of a lump sum or monthly contributions at any return rate. Choose compounding frequency, see year-by-year growth, and compare invested capital to total gains with an interactive pie chart.

Capital Budgeting and Business Valuation

NPV Calculator - Net Present Value: discount future cash flows at your required rate of return and compare to the initial investment. Enter any number of annual cash flows, see NPV (green = positive = accept), present value of inflows, profitability index, and an Accept/Reject recommendation.

NPV Calculator — Net Present Value - Two-mode NPV calculator: Variable Cash Flows (enter individual annual cash flows and optional terminal value for any project) and Uniform Annuity (fixed cash flow every year using the PV of annuity formula). Shows NPV with Accept/Reject signal, PV of cash flows, total undiscounted cash flows, and Profitability Index. Multi-currency support.

IRR Calculator - Internal Rate of Return: find the discount rate that makes NPV = 0 for any project with up to 15 cash flows. Uses Newton-Raphson iteration. Compare IRR to your hurdle rate for instant Accept/Reject decisions. Also shows NPV at the hurdle rate as a cross-check. Essential for capital budgeting, project appraisal, and investment evaluation.

MIRR Calculator - Modified Internal Rate of Return: addresses IRR’s reinvestment assumption flaw by using separate finance rate (for negative cash flows) and reinvestment rate (for positive cash flows). Always produces a unique result even when cash flows change sign multiple times. Up to 10 years of cash flows, Accept or Reject vs hurdle rate, and side-by-side IRR comparison.

DCF Calculator — Discounted Cash Flow - Estimate the intrinsic value of a stock or business using two approaches: Cash Flows mode (enter projected annual cash flows and a terminal value directly) and Two-Stage Growth mode (Gordon Growth Model — enter current FCF, high-growth rate, projection years, terminal growth rate, and WACC). Shows PV of projected cash flows, PV of terminal value, total intrinsic value, and margin of safety versus current market price.

Dividend Discount Model Calculator - Three-mode DDM stock valuation tool: Gordon Growth Model (P0 = D1 / (r-g) for constant-growth dividend stocks, with dividend yield and capital gain yield breakdown), Zero Growth DDM (P0 = D/r for preferred stocks and no-growth firms), and Two-Stage DDM (PV of high-growth dividends plus discounted terminal value). Shows intrinsic value, next dividend, and stage contribution breakdown.

Returns and Performance Metrics

ROI Calculator - Return on Investment = (Gain - Cost) / Cost x 100. Evaluates any investment where you know total gain and total cost, regardless of time period.

ROI Calculator: Return on Investment - Two-mode ROI calculator: Investment Return (initial cost, final value, years held, outputs ROI%, annualized CAGR, net gain/loss, investment multiple) and Business/Marketing ROI (revenue vs. cost, outputs ROI%, profit, cost per revenue dollar, and break-even revenue). Multi-currency support.

ROIC Calculator - Return on Invested Capital - Compute ROIC = NOPAT divided by Invested Capital from full financial statement inputs (EBIT, tax rate, equity, debt, cash) or via Quick ROIC mode using pre-calculated NOPAT and Invested Capital. Returns ROIC, NOPAT, Invested Capital, Spread (ROIC minus WACC), and Economic Profit in dollars. Assesses value creation vs. value destruction vs. breakeven.

Annualized Rate of Return Calculator - Compute the CAGR (Compound Annual Growth Rate) for any investment. From Values mode: enter beginning value, ending value, and years held to get the annualized return, total return %, net gain/loss, and monthly equivalent rate. From Total Return mode: convert a cumulative percentage return over any time period to an annualized rate, with monthly, weekly, and daily equivalents.

Percentage Return Calculator - Two modes: (1) simple total return - (Final − Initial + Income) / Initial × 100; (2) annualized return (CAGR) over multiple years. Supports dividends in both modes. Used for evaluating mutual funds, stocks, real estate, and any investment with a start and end value.

Trading and Portfolio Tools

Moving Average Calculator - Compute Simple Moving Average (SMA) and Exponential Moving Average (EMA) for any data series. Enter values as a comma or newline-separated list, set the window period, and see the latest MA, trend direction (rising/falling/flat), and all computed values. Works for stock prices, sales data, or any time series.

Stock Average Calculator - Calculate your weighted average cost per share across multiple purchases at different prices. Add unlimited buy lots, see total cost basis, total shares, and price range. Models averaging-down, dollar cost averaging, and any multi-tranche equity position.

Forward Premium Calculator - Compute the annualized forward premium or discount between two currencies from spot rate, forward rate, and contract days using FP% = (F - S) / S times (360/n) times 100. Also computes the implied forward rate from a known annualized premium. Identifies premium vs. discount and shows period and annualized percentages.

Who Uses These Calculators

Retail investors and salaried professionals use the fixed-income and SIP calculators for routine savings and mutual fund planning. Financial analysts and corporate finance professionals use the NPV, IRR, MIRR, and DCF calculators for capital budgeting and project appraisal - MIRR in particular is used whenever a project has irregular cash flows that make plain IRR unreliable or non-unique. Equity research analysts and value investors use the dividend discount model and DCF calculators to estimate intrinsic stock value against market price. CFOs and business owners use ROIC to check whether a business is creating or destroying economic value relative to its cost of capital. Active traders use the moving average, stock average, and forward premium calculators for technical analysis, cost-basis tracking, and FX hedging decisions.

Which Calculator to Use When