Financial Calculators Lab

Financial calculators you can explore

Every calculator runs real financial mathematics — with methodology, interpretation, assumptions and charts. Currency shown in ₹ (toggle in the header).

As part of my interest in making finance practical, I have put together these calculators. I encourage you to explore them — and please share your feedback.

Personal Finance

SIP, EMI, retirement, goals and deposits — everyday wealth math.

SIP Calculator

A SIP invests a fixed sum every month, harnessing rupee-cost averaging and compounding.

Lump Sum Investment Calculator

A single investment growing at a compounded rate over time.

EMI Calculator

Equated monthly instalment on a reducing-balance loan.

Compound Interest Calculator

Interest earning interest — the engine of long-term wealth.

Simple Interest Calculator

Interest computed only on the original principal.

Retirement Planning Calculator

Estimates the corpus needed at retirement and the SIP required to reach it.

Inflation Calculator

Shows how inflation erodes purchasing power over time.

Goal-Based Investment Calculator

Works backward from a future goal to the monthly SIP or lumpsum needed today.

CAGR Calculator

The single constant annual rate that takes an investment from start to end value.

FD & RD Calculator

Maturity values for bank fixed deposits (quarterly compounding) and recurring deposits.

Corporate Finance

NPV, IRR, WACC, DCF and valuation — how firms decide.

NPV Calculator

Net present value discounts all project cash flows to today at the cost of capital.

IRR Calculator

The discount rate at which a project’s NPV equals zero.

MIRR Calculator

IRR with realistic financing and reinvestment rates.

WACC Calculator

The blended cost of a firm’s equity and debt financing, weighted by market value.

CAPM Calculator

Expected return as compensation for systematic risk: R𝒻 + β(R𝑚 − R𝒻).

Cost of Equity Calculator

The return shareholders require for bearing equity risk.

Cost of Debt Calculator

The effective cost of borrowing after the interest tax shield.

DCF Valuation Calculator

Values a business as the present value of its forecast free cash flows plus terminal value.

Dividend Discount Model

Values a stock as the present value of its growing dividend stream.

Bond Valuation Calculator

A bond’s fair price is the present value of its coupons and face value at the market yield.

Payback Period Calculator

Time needed to recover the initial investment, plain and discounted.

Profitability Index Calculator

PV of future cash flows per rupee invested.

Investment & Portfolio

Returns, risk, ratios and the Markowitz frontier.

Holding Period Return Calculator

Total return over the exact period an asset was held, including income.

Expected Return Calculator

Probability-weighted average of scenario returns.

Portfolio Beta Calculator

Measures sensitivity of returns to the market.

Sharpe Ratio Calculator

Excess return earned per unit of total risk.

Treynor Ratio Calculator

Excess return per unit of systematic (beta) risk.

Jensen's Alpha Calculator

Return above (or below) what CAPM says the portfolio should have earned.

Portfolio Variance Calculator

The two-asset risk equation — where diversification mathematics lives.

Correlation Calculator

How strongly two return series move together.

Standard Deviation Calculator

The dispersion of returns around their mean — finance’s default risk measure.

Markowitz Portfolio Optimizer

Finds the portfolio with the best risk-adjusted return across thousands of simulated weight combinations.

Portfolio Rebalancing Calculator

Computes the trades needed to restore target asset weights.

Maximum Drawdown Calculator

The worst peak-to-trough loss in a value series.

Value at Risk (VaR) Calculator

The loss level that will be exceeded only on the worst (100−confidence)% of days.

Risk-Reward Calculator

Compares the distance to your stop with the distance to your target.

Derivatives & Options

Black-Scholes, Greeks and payoff engineering.

Black-Scholes Option Pricing

The foundational model for European option prices from five inputs.

Call Option Payoff Calculator

Expiry P&L of a call option position at every underlying price.

Put Option Payoff Calculator

Expiry P&L of a put option position at every underlying price.

Options Strategy Payoff Calculator

Combine calls, puts and stock into any multi-leg strategy and see its full payoff profile.

Futures P&L Calculator

Profit or loss on a futures position including lot size.

Option Greeks Calculator

The sensitivities that describe how an option price reacts to market changes.

Put-Call Parity Calculator

The no-arbitrage relationship linking calls, puts, spot and strike.

Trading & Risk

Position sizing, stops, drawdowns and VaR.

Position Sizing Calculator

How many shares to buy so a stopped-out trade costs only your chosen risk budget.

Stop Loss Calculator

The exit price that caps your loss at a chosen percentage.

Target Price Calculator

The price at which your desired percentage gain is achieved.

Risk per Trade Calculator

How much money each trade puts at risk, and how losing streaks compound.

Compounding Returns Calculator

How repeated percentage gains compound a trading account.

Trading Performance Calculator

Full statistics of a trade series: win rate, profit factor, expectancy, drawdown.

Cryptocurrency

Returns, averaging and allocation for digital assets.

Cryptocurrency Return Calculator

P&L on a crypto trade including quantity and fees.

Average Purchase Price Calculator

Your true breakeven after multiple buys at different prices.

Crypto CAGR Calculator

Annualized growth rate of a crypto holding over its holding period.

Crypto Portfolio Allocation Calculator

Converts percentage targets into rupee amounts across coins.

Dollar Cost Averaging Calculator

Periodic fixed-amount buying versus a one-time lump sum.