Precision Financial Math & Transparent Quant Models
Interactive financial calculators built on standard, documented formulas — reducing-balance amortisation, CAPM, annuity mathematics — with every assumption and data source stated on the page.
Paycheck & Salary Calculator
Take-home pay computed from the real 2026 statutory brackets — federal and state tax, Social Security and Medicare, or UK income tax and National Insurance. A dedicated page for every US state and UK region, with the statutory source cited for every deduction.
Available Models & Calculators (33)
All tools include 1,000+ word quantitative guidesRolling Returns & CAGR Dispersion Analyzer
Calculate rolling CAGR distributions (3Y, 5Y, 7Y, 10Y) across every overlapping monthly window of real index history, stripping out the start-date bias that makes a single trailing return misleading.
Market Regime & Factor Screener
Categorize cyclicals vs. defensives and apply institutional bear-market qualifiers (Price > 200 DMA, Golden Cross, and Beta < 1.0 vs. Nifty 50 / S&P 500).
Jensen's Alpha & Risk-Adjusted Return Calculator
Separate genuine outperformance from plain market exposure using Jensen’s alpha and CAPM, plus dynamic time warping to measure how closely two price paths track each other.
Walk-Forward Optimization Simulator
Runs a real walk-forward backtest on actual S&P 500 history: parameters are fitted in-sample by grid search, then applied unchanged to unseen data to measure how much of the apparent edge survives.
Loan & EMI Calculator (with Prepayment Simulator)
Calculate monthly payments, total interest breakdown, and simulate early payoff savings via extra monthly principal payments and lump sums.
SIP & Wealth Growth Calculator (with Step-Up Plan)
Project returns on systematic monthly investments with annual step-up contribution multipliers matching career salary increments.
Compound Interest & Exponential Growth Engine
Visualize the exponential power of compounding with customizable compounding frequencies (monthly, quarterly, annually) and periodic deposits.
Retirement & FIRE Nest Egg Planner
Determine your required retirement nest egg adjusted for inflation, evaluate your current readiness score, and plan monthly savings runway.
Mortgage Refinance & Break-Even Calculator
Evaluate interest rate differentials, closing fees, monthly payment savings, and exact break-even recovery horizons.
Fixed Deposit (FD) & Recurring Deposit (RD) Calculator
Model bank time deposits with quarterly compounding, post-tax TDS deductions, and inflation-adjusted real purchasing power.
Credit Card Payoff & Debt Avalanche Calculator
Calculate how fixed accelerated payments extinguish high-APR revolving credit card balances and eliminate minimum payment traps.
Systematic Withdrawal Plan (SWP) & 4% SWR Calculator
Model periodic retirement distributions, inflation COLA adjustments, portfolio longevity survival, and safe withdrawal rates (SWR).
Buy vs. Rent Real Estate Decision Calculator
Compare the long-term wealth outcomes of buying a home vs renting and investing the down payment and monthly savings in index funds.
Inflation & Purchasing Power Erosion Calculator
Quantify future purchasing power loss, future cost of living inflation, halving timelines via the Rule of 70, and multi-regime macroeconomic stress tests.
CAGR & Multi-Cashflow XIRR Calculator
Calculate point-to-point geometric CAGR and solve irregular cashflow annualized returns using Newton-Raphson XIRR algorithms.
SIP vs. Lump-Sum Showdown Simulator
Simulate whether deploying all capital upfront (Lump-Sum) beats systematic dollar-cost averaging (SIP) across distinct market regimes.
Auto Loan & Vehicle Depreciation Calculator
Model monthly car payments alongside continuous vehicle depreciation curves to monitor negative equity (underwater loan) risk.
Emergency Fund & Financial Runway Calculator
Size your financial safety net based on essential household burn rates, employment stability factors, and liquid survival runway.
Capital Gains Tax (LTCG / STCG) Estimator
Estimate your tax liability across stocks, mutual funds, real estate, and digital crypto assets based on holding duration and statutory exemptions.
401(k) & Pre-Tax Deduction Impact Calculator
See what a retirement contribution and pre-tax health premiums do to your take-home pay. Models the FICA wage base cap and Section 125 exemptions; income tax uses a rate you supply, so it works outside the US too.
US & UK Salary Calculator (Statutory Brackets)
Take-home pay computed from the actual 2026 tax brackets for all 50 US states and the UK, with every deduction cited to its statutory source. Compare net pay across states on the same salary.
House Affordability & DTI Calculator
Find the maximum home price you can borrow against using the front-end and back-end debt-to-income ratios lenders actually apply, and see which one is limiting you.
Rental Property ROI & Cap Rate Calculator
Net operating income, cap rate, cash-on-cash return, debt service coverage and break-even rent — with vacancy, maintenance and management costed in rather than wished away.
Debt Snowball vs Avalanche Calculator
Run both payoff strategies across every debt you have, and see the attack order, the debt-free date, and exactly how much the mathematically optimal method saves.
Bi-Weekly Mortgage Accelerator
What fortnightly payments shave off a mortgage, compared honestly against simply paying a twelfth extra each month — which costs the same and keeps you in control.
Time Value of Money Solver
The five-key financial calculator. Enter any four of PV, FV, PMT, N and rate and it solves the fifth from the standard annuity equation, with annuity-due support.
NPV, IRR & MIRR Calculator
Appraise a project with net present value, internal rate of return, modified IRR, profitability index and discounted payback, plus a sensitivity curve across discount rates.
Bond Price, YTM, Duration & Convexity
Price a bond from its yield or solve the yield from a price, then see exactly how far the duration estimate drifts from the true reprice on a large rate move.
Education Goal Planner
Project a multi-year course at education-specific inflation, work out the corpus needed on admission day, and the monthly saving that gets you there.
Fund Fee Drag Calculator
What the gap between two expense ratios costs over a lifetime, on an identical gross return. The answer is usually several years of contributions.
PPF Calculator (India)
Public Provident Fund maturity year by year, including the deposit-timing rule that quietly costs latecomers interest, plus loan and withdrawal limits at each stage.
NPS Calculator (India)
National Pension System Tier 1 corpus at 60, the tax-free lump sum, the compulsory annuity purchase, and what monthly pension that annuity actually buys.
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