The Equated Monthly Instalment is derived from the standard amortising loan formula:

E = P × r × (1 + r)ⁿ / [ (1 + r)ⁿ − 1 ]

Where P is the principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of monthly instalments. Each EMI blends a principal and an interest portion, with the interest share highest in the early years.

Input the loan amount you intend to borrow, the interest rate offered by your lender, and your preferred repayment tenure. The chart splits your total repayment into principal and interest so you can see the true cost of the loan at a glance.

• A longer tenure lowers the EMI but significantly increases total interest paid.
• Even a small drop in interest rate materially reduces the lifetime cost of a large loan.
• Prepaying principal early, when possible, saves the most interest since balances compound early on.

Compound interest grows a lump sum using:

A = P × (1 + r/n)^(n×t)

Where P is principal, r is the annual interest rate (decimal), n is the number of compounding periods per year, and t is time in years. More frequent compounding produces a marginally higher future value for the same nominal rate.

Enter your lump-sum principal, the annual rate offered, and the number of years you plan to leave it invested. Switch between daily, monthly and yearly compounding to compare how the frequency affects your final future value.

• Time in the market matters more than compounding frequency for long horizons.
• Daily compounding beats monthly and yearly, but the difference shrinks as periods get shorter.
• Compounding accelerates sharply in later years — patience is the core mechanism at work.

Your FIRE number is the corpus that lets your Safe Withdrawal Rate (SWR) cover annual expenses indefinitely:

FIRE Number = (Monthly Expenses × 12) ÷ (SWR ÷ 100)

Existing investments and future monthly contributions are then compounded forward month by month at the expected rate of return until the projected balance reaches the FIRE number, giving the estimated number of years required.

Enter your current age, monthly expenses, existing investments and how much you can invest monthly. The 4% rule (or your chosen safe withdrawal rate) determines the target corpus, and the chart shows your projected net worth climbing toward that target line over time.

• A lower safe withdrawal rate is more conservative but requires a larger corpus.
• Reducing expenses shrinks the FIRE number faster than increasing income in most cases.
• This projection assumes a constant average return; real markets are volatile year to year.

Net ROI accounts for transaction fees on both legs of the trade and an estimated tax on realised gains:

ROI % = (Sale Proceeds − Investment − Tax) ÷ Investment × 100

Investment includes the buy-side fee, sale proceeds are net of the sell-side fee, and tax is applied only to a positive gross gain. This gives a realistic net return rather than a headline price-change percentage.

Enter the price you bought at, the price you sold (or plan to sell) at, the quantity held, your exchange or brokerage fee percentage, and an estimated tax rate on gains. The breakdown chart shows how much of your gross gain is absorbed by fees and tax versus what you keep.

• Frequent trading compounds fee drag — fees apply on both entry and exit.
• Actual capital gains tax depends on your jurisdiction and holding period; treat this as an estimate.
• Net ROI is always lower than the raw percentage price change once costs are included.

Rental yield measures annual income as a share of property value:

Gross Yield = (Monthly Rent × 12) ÷ Price × 100
Net Yield = (Annual Rent − Vacancy Loss − Tax − Maintenance) ÷ Price × 100

Monthly cash flow further subtracts the mortgage EMI (calculated from the financed amount, rate and tenure) from net monthly rental income, showing what actually remains in your pocket each month.

Enter the property price, expected monthly rent, ongoing tax and maintenance costs, and an allowance for vacancy periods. Add your financing terms — down payment, mortgage rate and tenure — to see the real monthly cash flow after the loan payment, alongside a full income-versus-expense breakdown.

• Gross yield is useful for quick comparisons; net yield reflects the real return after costs.
• Positive cash flow properties pay for themselves; negative cash flow requires topping up monthly.
• A larger down payment reduces mortgage costs and directly improves monthly cash flow.