Will home-loan prepayments save interest?

Prepaying early in the tenure can meaningfully reduce interest and shorten the loan. The Home Loan Prepayment Calculator projects EMI/tenure impact and total interest saved.

Best Online Calculators for Indian Investors – SIP, CAGR, XIRR, Intrinsic Value, Retirement & Home Loan

Q: What’s the difference between CAGR and XIRR?

CAGR assumes a single buy and a single sell over a period, giving an annualised return. XIRR incorporates multiple irregular cashflows with dates (SIPs, top-ups, redemptions), so it more accurately reflects real investing behaviour.

Q: How does the Intrinsic Value Calculator help stock selection?

It estimates a company’s fair value using conservative growth and discount rates and applies a margin of safety, helping investors avoid overpaying.

Q: Can I plan retirements considering inflation and market volatility?

Yes. Use the Monte Carlo Retirement Calculator for probability-based outcomes with volatility and sequence risk. For India-specific assumptions and tax nuances, use the Quantum Retirement Calculator.

Q: Are these calculators free to use and private?

Yes, they are free to use. Calculations run client-side for instant feedback. Refer to the site’s privacy policy for data handling details.

Use our fast, accurate calculators to plan SIPs with inflation & step-up, compute CAGR/XIRR, estimate intrinsic value, simulate retirement with Monte-Carlo or Quantum models, and optimise home-loan prepayments — all in one place.

Investing Retirement Loans

Investing Calculators

SIP Calculator with Inflation & Step-Up

Project realistic SIP outcomes by accounting for inflation and annual contribution increases.

Inflation-adjusted corpus
Yearly step-up controls
SIP schedule breakdown

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CAGR Calculator

Compute Compound Annual Growth Rate to compare multi-year investment performance.

Start/end value + years
Annualised return
Quick comparisons

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Reverse CAGR Calculator

Find the target value needed to achieve a desired CAGR over a period.

Goal-backsolving
Flexible time horizon
Scenario testing

Open Calculator

XIRR Calculator

Measure returns for irregular cashflows such as SIPs, redemptions, and top-ups.

Date-aware cashflows
Annualised IRR
CSV-friendly

Open Calculator

Intrinsic Value Calculator

Estimate a stock’s intrinsic value using conservative growth, margin of safety, and discount rates.

DCF-style inputs
Margin-of-safety slider
Sensitivity view

Open Calculator

Retirement Planning

Monte Carlo Retirement Calculator

Run thousands of simulations to estimate the probability of funding your retirement goals.

Volatility & sequence risk
Success probability
Glide-path options

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Quantum Retirement Calculator (India)

Plan tax-aware, India-specific retirement with inflation, step-up, and multiple asset buckets.

Indian tax nuances
Inflation/step-up support
Bucketed withdrawals

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Loans & Debt Optimisation

Home Loan Prepayment Calculator

Assess how lump-sum or periodic prepayments shorten tenure and reduce interest outgo.

Tenure vs EMI impact
Interest saved
Prepayment cadence

Open Calculator

Frequently Asked Questions

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.

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 dates, so it better reflects real investing behaviour.

How does the Intrinsic Value Calculator help stock selection?

It estimates fair value using conservative growth and discount rates, then applies a margin of safety to avoid overpaying.

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.

Will home-loan prepayments actually save interest?

Prepayments early in the tenure can substantially reduce interest and sometimes shorten the loan by years. Model this in the Prepayment Calculator.

Are these calculators free to use and private?

Yes. They’re free and run client-side for quick results. Refer to the site’s privacy policy for data handling.