109 calculators · 8 categories · free
Calculators & tools
Every one is interactive, runs entirely in your browser, and comes with instructions and a worked example in real Indian numbers — because a calculator without the reasoning is just a number generator. Search, or pick a category to narrow the list.
Size a trade, price a tax, plan a goal — each one shows its working.
Most used
109 of 109
Before you place a trade
13Work out size, stop and target from your own risk tolerance rather than from a feeling.
- Trade plannerEnter capital, entry and the stock’s ATR. Get a volatility-appropriate stop, the exact quantity to buy, and the win rate you need to break even.
- Position sizerThe simpler version: fixed risk percentage plus a chosen stop-loss gives you the quantity, and shows how many losses in a row you could survive.
- Stop-loss placement labPercentage, ATR or structure — three ways to place the same stop, and what an overnight gap does to each. The stop you can actually be filled at is not the one you typed.
- Risk, reward and expectancySet entry, stop, target and how often you are actually right. See whether the setup makes money over many trades, or only feels like it should.
- Brokerage & charges calculatorSTT, exchange fees, stamp duty, GST and DP charges for delivery and intraday — plus how far the stock must move before you break even.
- LTCG harvesting calculatorThe annual long-term capital gains exemption does not carry forward. See what spreading the same gain across several financial years is worth.
- IPO allotment oddsEnter the retail oversubscription and see your real chance of allotment — and why applying for more lots does not improve your odds per rupee.
- Options strategy & payoff builderPick a strategy — call, put, spread, covered call or straddle — set the strikes and premiums, and see the payoff diagram at expiry with its breakevens, maximum profit and maximum loss.
- Black-Scholes option pricerThe theoretical fair value of a European call and put from spot, strike, volatility, time and rate — plus the call’s delta. Change the volatility and watch vega move both prices.
- Futures fair value & basisWhat a stock or index future should cost — spot plus the interest carried to expiry, less dividends — set against the price on the screen, with the basis and the carry the market is implying.
- Put-call parity checkerCheck whether a call and a put at the same strike and expiry are priced consistently with the share and interest rates — and which side is rich if they are not.
- Kelly bet-sizingThe mathematically growth-optimal fraction of capital to risk, from your edge and your reward-to-risk — and why full Kelly is so violent that survivors use a fraction of it.
- Margin (MTF) cost & leverageBuying on margin magnifies the move both ways, and the borrowed part charges interest every day you hold. See the return on your own money, the daily interest, and the fall that wipes your margin.
Planning and compounding
15The long-horizon maths that decides most outcomes.
- Prepay the home loan, or invest?The most common financial question in India. Compares a guaranteed, tax-free return against an uncertain, taxable one — and accounts for whether you actually claim the interest deduction.
- Goal SIP calculatorHow much you need to invest monthly to reach a target — or what a given monthly amount will build. Handles an existing lumpsum too.
- Compounding visualiserSee what proportion of a final corpus is your own money versus pure growth, and how back-loaded compounding really is.
- CAGR calculatorConvert any absolute return into an annualised one. The only way to compare a 3-year holding against a 12-year one honestly.
- XIRR — your real returnOnce you have added money over time, absolute return and simple CAGR both mislead. XIRR weights every cash flow by how long it actually worked.
- Inflation vs fixed depositWhat an FD grows to, what equity grows to, and what you would need just to preserve purchasing power.
- SIP vs lumpsum, with parked cashYou have a sum to deploy. Compare investing it all at once against staggering it in over several months — with the waiting cash earning a liquid-fund rate, so the comparison is fair.
- Bond price & yieldWhy an already-issued bond falls in price when rates rise, what duration measures, and why “safe” debt funds can post losses.
- Bond duration & sensitivityModified duration from a bond’s coupon, maturity and yield — the % its price moves per 1% change in rates — plus the price swing for a yield move, and why long, low-coupon bonds are riskiest.
- PPF calculatorWhat a Public Provident Fund grows to over 15 years and beyond — maturity, interest earned, and the pre-tax return a taxable deposit would need to match it.
- NPS calculatorWhat a monthly NPS contribution builds by 60 — the corpus, the tax-free lump sum you can take, and the monthly pension the compulsory annuity buys.
- FD calculatorWhat a fixed deposit matures to with quarterly compounding, the interest earned, and the effective annual yield — plus the after-tax reality most FD calculators skip.
- EPF calculatorWhat your provident fund builds by retirement from the 12%+12% contributions on your basic pay, with salary growth and years of compounding at the EPF rate.
- RD calculatorWhat a recurring deposit builds from a fixed monthly amount — maturity, total deposited and interest — plus the after-tax reality it shares with an FD.
- NSC calculatorWhat a National Savings Certificate matures to over its fixed five-year term, compounded annually — the interest earned, and the 80C reinvestment quirk most calculators skip.
Valuation
16Estimate what a business is worth, and see how fragile that estimate is.
- DCF playgroundBuild a discounted cash flow valuation and watch it swing by a third when you nudge the growth rate. That sensitivity is the real lesson.
- P/E explorerMove price and earnings and see the multiple, the earnings yield, and how many years of profit you are actually paying for.
- ROE / DuPont breakdownSplit a return on equity into margin, asset turnover and leverage — and see how much of it is genuinely the business.
- Sustainable growth rateHow fast a company can grow on retained profit alone — ROE times what it keeps — and whether its actual growth is quietly funded by dilution or debt.
- Leverage stress testSame business, different debt mix. See how leverage amplifies a good year and what it does to a bad one.
- Unit economics labAcquisition cost, order value, margin and retention. Whether a loss-making new-age company is buying customers profitably or just buying revenue.
- Rule of 40For a growth company, revenue growth plus profit margin should clear 40%. See how a business can pass on growth, on profitability, or a balance — and where the rule flatters the wrong companies.
- Share price vs company sizeTwo Indian companies, one with a far lower share price. Guess which is bigger, then reveal — and stop believing a ₹40 stock is cheap.
- CAPM cost of equityTurn a stock’s risk into the required return a valuation needs: risk-free rate plus beta times the equity risk premium, and how hard a high beta discounts the cash flows.
- WACC calculatorThe blended cost of a company’s equity and debt, with the debt tax shield applied — the hurdle rate a business must beat and the discount rate a DCF uses.
- Graham numberBenjamin Graham’s conservative fair-value ceiling from EPS and book value — √(22.5 × EPS × BVPS) — with the implied margin of safety against the market price.
- Reverse DCFStart from today’s market value and solve for the free-cash-flow growth it already assumes — the honest way to ask whether a price is demanding, without choosing the answer first.
- Enterprise value & EV/EBITDAThe price of the whole business — market cap plus debt, less cash — and the multiple of operating profit it represents, beside P/E and net debt to EBITDA.
- Dividend discount modelValue a share as the present value of every dividend it will pay — the Gordon growth model, or two stages of growth — and compare it with the price.
- PEG ratioThe P/E divided by expected earnings growth, with the dividend-adjusted PEGY — a quick check on whether a high multiple is paying for growth or for hope.
- Graham net-net (NCAV)Net current asset value per share — current assets minus all liabilities — and whether the price is below two-thirds of it, Benjamin Graham’s deepest-value bargain test.
Reading the accounts
15Four interactive statements. Move a number and watch what it does to everything downstream.
- Income statement waterfallRevenue at the top, profit at the bottom, and every deduction in between shown as a step. See exactly where a company’s money goes.
- Balance sheet explorerAssets on one side, claims on the other, always equal. Change any item and watch the identity hold — and see what actually belongs to shareholders.
- Cash flow statement readerOperating, investing and financing. The sign of each of those three numbers tells you what kind of company you are looking at — and which kind to avoid.
- Cash conversion cycleReceivable, inventory and payable days from the balance sheet, the number of days a rupee spends locked in the business, and how much cash a shorter cycle would free.
- Bank health checkerNIM, gross NPA, CASA and cost-to-income. A bank is not valued like an ordinary company, and these are the four numbers that decide it.
- Airline RASK vs CASKCapacity, load factor, yield and cost per seat-kilometre — the few paise of spread an airline lives on, its breakeven load factor, and what a 10% rise in fuel does to profit.
- Refining margin (GRM)A refinery’s core margin per barrel turned into rupee profit, with the inventory gain or loss from crude moving while it sits in the tanks — and the reported GRM that mixes the two.
- Hotel RevPAROccupancy times room rate, food and beverage on top, fixed costs underneath — and how far EBITDA moves when the hotel is five points fuller.
- New plant ramp-upCapex, asset turnover and a utilisation path — revenue, EBITDA and pre-tax return on capital for a new plant, year by year, as it fills up.
- AMC revenue and the marketAUM, equity mix and fee yields in basis points — an asset manager’s revenue and profit, and how much harder they move than the market after a rally or a fall.
- Altman Z-scoreFive weighted ratios distilled into one bankruptcy early-warning number — with the safe, grey and distress zones, and a note on where the model does not apply.
- Piotroski F-scoreNine yes-or-no tests of profitability, leverage and efficiency from two years of figures — the classic filter for telling a recovering cheap stock from a failing one.
- Beneish M-scoreCombine the eight Beneish indices into the M-score and see which of them pushes a company across the −1.78 line associated with earnings manipulation.
- ROIC vs cost of capitalReturn on all invested capital — NOPAT ÷ invested capital — set against the cost of that capital, so you can see the value-creation spread that decides whether growth helps or hurts.
- Economic value added (EVA)Profit after charging for all capital — NOPAT minus invested capital times WACC. See how a company with healthy accounting profit can still be destroying value once equity is charged for.
Charts and indicators
17Every indicator on one adjustable chart, so you can see what the settings actually do before trusting a default.
- Candlestick anatomyDrag the open, high, low and close and watch the candle redraw. The single fastest way to stop misreading a chart.
- Candlestick pattern labPick a pattern, see its exact shape, what buyers and sellers were doing to produce it, and what has to happen before it means anything.
- Support & resistance finderThe same chart with the levels drawn and hidden. Nothing about the price changes — only whether you can see the structure in it.
- Trend structure explorerUp, down, sideways — the only three things price can do. Learn to name the one in front of you before choosing a method for it.
- Moving average labChange the period and compare simple against exponential on the same chart. See exactly what you trade away when you shorten it.
- RSI labAdjust the period and watch overbought and oversold move with it. Includes the thing most people get wrong: RSI stays extreme in a strong trend.
- MACD labFast EMA, slow EMA and signal line, all adjustable. See why the crossover arrives after the move and what the histogram is really showing.
- Bollinger Bands labPeriod and standard deviations on a live chart. Watch the bands squeeze before a move and why “touching the band” is not a signal.
- Volume confirmation labTwo breakouts that look nearly identical in price. Only one had anybody behind it — and volume is the only thing that tells you which.
- Volume profileStandard charts show volume by time. This shows it by price — where business actually happened, which is the more useful question.
- Fibonacci retracement toolDrag the swing high and low and watch every level move with them. The clearest demonstration of why two people get two different sets.
- Gap classifierIndian stocks gap constantly — the market is shut for seventeen hours. Knowing which of the five kinds you are looking at is most of the work.
- Relative strength & betaSeparate the return that came from the market from the return that came from the stock. Alpha and beta, on one chart.
- Timeframe comparisonIdentical price data grouped three ways. Notice how much of what looks like a trend on one chart is noise on another.
- Heikin-Ashi & RenkoThe same price history drawn three ways. The middle one looks far smoother — this shows you precisely what that smoothing costs.
- Supertrend indicator labThe green-and-red trend line every Indian retail trader watches. Change the ATR period and multiplier and see exactly how many whipsaws a lower setting buys you.
- Pivot points & CPR calculatorEnter yesterday’s high, low and close and get today’s pivot, R1–R3, S1–S3 and the Central Pivot Range — standard or Fibonacci. The intraday levels every desk draws.
How the market works
3The plumbing behind the price — worth ten minutes before you place your first order.
- Order book simulatorPlace a market or limit order into a live book and watch it fill. The difference between the price you saw and the price you got, made visible.
- How the NIFTY is calculatedAn index is a weighted average, not a simple one. Toggle free-float weighting and see how much a single heavyweight really moves it.
- Corporate action calculatorBonus, split, rights or buyback. Enter what you hold and see your share count, price and total value before and after — and why nothing was created.
Reality checks
11The arithmetic worth internalising before anything else.
- Portfolio heatPosition sizing protects you from one trade. This shows your total open risk across several — and what happens when four of them are in the same sector.
- Value at Risk (VaR)The loss your portfolio should not exceed on a normal day, at 90/95/99% confidence — with a clear reminder of the tail losses beyond the threshold that VaR never shows you.
- Expected shortfall (CVaR)The average loss on the days your VaR is breached — the “how bad is bad” number VaR hides. Always larger than the VaR, and the gap between them measures how heavy the tail is.
- Expected value & thinking in betsSet your hit rate and payoffs, then watch a run of that exact process — including the drawdowns a positive-expectancy system still produces.
- Loss recovery mathsA 50% fall needs a 100% gain. A 90% fall needs 900%. The asymmetry that justifies every risk rule on this site.
- Risk of ruinTwo thousand simulated traders run the same system — your win rate, payoff and risk per trade — and luck alone decides how many hit the drawdown you would call ruin.
- Stock average & break-evenAdd a second purchase and get your new average buy price, total cost, live P&L, and the exact move needed to break even.
- Dividend & total returnPayout ratio, yield, and what reinvesting dividends is worth over fifteen years compared with spending them.
- Behavioural bias explorerThe six biases that cost Indian retail investors the most. Pick one — you have almost certainly done it this year.
- Sharpe & Sortino ratioReturn per unit of risk, made comparable. Feed in a return, the risk-free rate and volatility for the Sharpe — then a downside deviation for the Sortino that ignores upside swings.
- Risk parity allocatorWeight two assets so each contributes equal risk rather than equal money — inversely to volatility. Shows why a 50/50 split lets the volatile asset dominate the portfolio’s risk.
Life and money
19The household decisions that move more money than any trade you will ever place.
- Rent or buy a homeStamp duty, EMI, upkeep and appreciation on one side; rent and the invested difference on the other. Includes the transaction costs most comparisons quietly skip.
- Retirement corpus calculatorHow much you need by the year you stop working, and the monthly SIP that gets you there — with inflation applied to both your spending and your returns.
- SWP calculatorDraw a monthly income from a corpus and see how many years it lasts — plus the sustainable withdrawal the corpus can fund without running down.
- SCSS calculatorThe quarterly income a Senior Citizen Savings Scheme deposit pays over its five-year term, the total interest, and the principal returned at the end — with the tax and ₹30 lakh limit spelt out.
- Step-up SIP calculatorRaise your SIP a little each year with your salary. Over two decades that one setting usually matters more than which fund you picked.
- Emergency fund sizerNot a round number of months — one worked out from how replaceable your income is, how many people depend on it, and what your EMIs demand.
- How much life cover you needHuman life value: the present value of the income your family would have to replace, plus loans and goals, minus what you have already saved.
- Loan EMI & prepaymentWhat the loan actually costs across its life, and how many years an extra few thousand a month takes off it. Front-loaded interest made visible.
- Portfolio rebalancerWhere your allocation has drifted past its band, and the smallest set of trades that fixes it — using fresh money first so you avoid the tax.
- Old vs new tax regimeFY 2025-26 slabs, both regimes, side by side — including how much you would need to claim before the old one catches up.
- HRA exemption calculatorHow much of your House Rent Allowance is tax-free — the least of the three limbs the rule sets — and what it saves you at your slab.
- Gratuity calculatorWhat your employer owes you for long service — 15 days’ pay for every completed year on the (15 ÷ 26) formula, with the ₹20 lakh tax-free ceiling applied.
- Sukanya Samriddhi Yojana calculatorA girl-child savings scheme: deposit for 15 years, mature at 21, entirely tax-free. See the maturity value and how much of it is interest.
- Credit card interest & payoffHow long a balance takes to clear at a real ~40% a year, what the interest costs, and why paying only the minimum due keeps you in debt for years.
- Flat vs reducing interest rateThe “flat” rate a car or personal loan is sold on hides a far higher true rate. See the EMI, the total interest, and the reducing-balance rate you are actually paying.
- Home loan eligibilityRoughly how large a home loan your income supports, from the FOIR that caps your total EMIs, your existing loans, the rate and the tenure.
- Capital gains tax on shares & fundsThe tax on a sale under the post-July-2024 rules: short vs long term by asset, the 12.5% long-term rate, the ₹1.25 lakh equity exemption, and what you actually keep.
- Sovereign Gold Bond returnWhat an SGB pays: the fixed 2.5% coupon (taxable at slab) plus the gold price gain, which is tax-free if you hold to maturity. Set your own view on gold and see the whole return.
- CTC to take-home salaryWhy the offer letter’s big number is not what lands in your account. Peels CTC back through the employer’s EPF and gratuity, your own EPF, professional tax and income tax to a monthly in-hand figure.
Questions about these calculators
Short answers, each linking to the lesson that explains the reasoning.
- Are these stock market calculators free?
- Yes. Every calculator on this page is free, needs no sign-up, and runs entirely on your own device. Nothing you type is sent to a server.
- How do I calculate position size for a trade?
- Decide the rupee amount you are willing to lose, then divide it by the distance between your entry and your stop-loss. If you risk 1% of ₹5,00,000 — that is ₹5,000 — and your stop is ₹60 below entry, you buy 83 shares. The position sizer does this arithmetic for you.
- What does a brokerage calculator include in India?
- A complete figure covers brokerage, Securities Transaction Tax, exchange transaction charges, SEBI turnover fees, stamp duty and GST. The charges calculator itemises each so you can see why a round trip costs more than the brokerage alone.
- What is the difference between CAGR and XIRR?
- CAGR assumes a single lumpsum invested once. XIRR handles money going in at different times, which is what actually happens with a SIP, so it is the honest measure of your own returns.
- Can I use these calculators for mutual funds and SIPs?
- Yes. The goal and SIP planner, compounding lab, CAGR and XIRR calculators all apply to mutual funds exactly as they do to stocks.
- Do the calculators come with instructions?
- Every one. Each calculator page explains what each control does, walks through a complete worked example with real Indian numbers, and names the mistake that tool most often invites. The worked examples are arithmetic you can follow by hand to the same answer.
- Are there tools for technical indicators like RSI and MACD?
- Yes. The chart and indicator labs let you adjust the period, the standard deviations or the fast and slow settings on a live chart, so you can see what a setting actually changes before trusting a default. RSI, MACD, Bollinger Bands, moving averages, Fibonacci, volume profile and gaps each have their own page.