1. Which calculator should I start with for long-term wealth creation? +
Begin with the
SIP Calculator with Inflation & Step-Up to set realistic contributions, then validate outcomes using the XIRR Calculator on actual cashflows.
2. What’s the difference between CAGR and XIRR? +
CAGR assumes a single buy and a single sell. XIRR handles irregular cashflows (SIPs/top-ups/redemptions) and specific dates, better reflecting real investing behaviour.
3. How does the Intrinsic Value Calculator help stock selection? +
It estimates a stock’s fair value based on future cash flows. By comparing this to the current price, you can find undervalued opportunities with a margin of safety.
4. Can I plan retirements considering inflation and market volatility? +
Yes. Use the Monte Carlo simulator for probability-based outcomes, or the Quantum Retirement tool for India-specific assumptions and tax nuances.
5. Will home-loan prepayments actually save interest? +
Absolutely. Prepayments made early in the tenure reduce the principal significantly, saving you lakhs in interest and shortening your loan by years.
6. Are these calculators free to use and private? +
Yes. They are free and run entirely in your browser (client-side). We never see, store, or track your financial data. Your privacy is 100% guaranteed.
7. How much should I step up my SIP every year? +
Aligning your SIP with your annual salary hike (usually 5-10%) is recommended. Even a small annual increase significantly compounds your terminal wealth over 15-20 years.
8. Why is an inflation-adjusted SIP calculator better? +
Most calculators show “nominal” future value, which looks large but buys less. An inflation-adjusted tool shows you the “purchasing power” of that money in today’s terms.
9. Is the 4% retirement rule applicable in India? +
Because India has higher inflation than the US, the 4% rule may be aggressive. Many Indian planners suggest a withdrawal rate of 3% to 3.5% to ensure the longevity of the corpus.
10. What is the benefit of a bucketed retirement strategy? +
A bucketed strategy (like our Quantum Planner) separates money into immediate cash, medium-term debt, and long-term equity, helping you manage both market crashes and inflation.
11. Are these calculators better than Excel or Google Sheets? +
Our tools provide professional UI, pre-built Indian tax logic, and advanced simulators (like Monte Carlo) that are extremely time-consuming to build manually in spreadsheets.
12. Can I use these tools for Intraday and F&O trading? +
Yes. Our Risk Manager tool is designed specifically for traders to calculate position sizing, stop-loss targets, and capital risk per trade for the Indian market.
13. How do I negotiate a property price using present value (PV)? +
Use the
Future Price → Present Price Calculator. Enter the seller’s asking price, the years you feel it is priced ahead, and your discount rate. It converts the ask into a fair present value and gives you a negotiation range plus copy-ready talking points.
