Financial tools that do the boring math
High-utility calculators for the Indian investor. Tax optimizers, debt yield tools, behavioural reality checks — the calculations most people never do because the spreadsheet is too intimidating.
14 tools
Tax & Returns
The math most investors never do — until it costs them.
Real Rate of Return
Your 7.5% FD might be earning −0.75% after tax and inflation.
For: Anyone parking money in FDs, PPF, or savings accounts and wondering if they're actually preserving purchasing power.
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Expense Ratio Drag
A 1.3% fee difference quietly eats ₹50L+ from your corpus over 25 years.
For: Anyone choosing between regular and direct mutual funds, or comparing active funds vs index funds.
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Post-Tax Safe Money
FD vs Debt MF vs T-Bills — ranked by what actually lands in your account.
For: Anyone deciding where to park their emergency fund, short-term savings, or debt allocation.
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TMF Yield Lock-in
Exact post-tax CAGR if you hold a Target Maturity Fund to maturity.
For: Investors in the 20–30% tax bracket who want FD-like safety but better after-tax returns.
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SWP Tax Deconstructor
See exactly how much tax you pay each year on SWP withdrawals — and why the early years can be nearly tax-free.
For: Retirees or near-retirees planning to draw regular income from their mutual fund corpus via SWP.
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VPF vs ELSS Optimizer
Where to put your last ₹1.5L of 80C — locked guaranteed returns or equity upside?
For: Salaried employees already contributing to EPF who want to make better use of their remaining 80C limit.
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Investing Decisions
Behavioural and mathematical tools for better investment calls.
SIP Rolling Returns Backtester
Build any portfolio of real MFs + indices. Run 20 years of rolling SIPs on actual NAV data, compare XIRR distributions, and see the historical probability your portfolio funds your FIRE number.
For: Anyone with an ongoing SIP who wants evidence — not assumptions — about whether their portfolio and SIP amount historically lead to FIRE.
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Mutual Fund Audit
Live NAV + real CAGR for any of 16,000 AMFI funds, TER fee drag, and a new FIRE SIP outcome planner that can use the fund's trailing SIP return.
For: Anyone invested in mutual funds who wants to audit returns, quantify fee drag, and project a FIRE corpus using either a manual CAGR or the loaded fund's trailing SIP outcome.
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Averaging Down Calculator
Bought at ₹500, now ₹380 — how many shares to buy to hit your target average?
For: Stock or MF investors who bought at a higher price and are considering buying more after a fall.
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Deployment Timing
Two tools in one: see what each month of SIP delay costs on real Nifty data, and when lumpsum beats STP for deploying a windfall.
For: Anyone deciding when to start a SIP, or how to deploy a bonus/ESOP/inheritance into equity.
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Stock Intelligence
One search → health scorecard, delivery signal, institutional ownership, peer comparison, and similar stocks from the same sector — all on one page.
For: Anyone researching a direct equity position before adding it to their FIRE corpus, or comparing it against peers in the same sector.
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Spending Decisions
Should you buy it? Should you EMI it? The honest math.
Should You EMI It?
Real cost of credit — when EMIs make sense and when they silently drain you.
For: Anyone evaluating an EMI offer — zero-cost, BNPL, or standard loan — before committing.
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Couples Split
Fair expense split when both partners earn differently — proportional, not 50/50.
For: Couples with different incomes who want a fair — not 50/50 — way to split shared expenses.
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Protection & Insurance
Right-size your cover without overpaying.
All tools use deterministic math with static assumptions — no live market feeds inside the calculations. Results are estimates for educational purposes only.