Seven free calculators in one place — simple interest, compound interest, SIP, SSY, PPF, CAGR, ROI and future value. Results update as you type, with year-wise growth tables where relevant. Runs entirely in your browser — nothing you enter is sent anywhere. Free tool by CA Jatin Karda & Co., Nagpur.
| Calculator | Formula | Notes |
|---|---|---|
| Simple Interest | SI = P × R × T ÷ 100 | Months are divided by 12 and days by 365 |
| Compound Interest | A = P × (1 + R ÷ n)nT | n = compounding periods per year; continuous compounding uses A = P × eRT; effective annual rate = (1 + R ÷ n)n − 1 |
| SIP | Month-by-month: balance = (balance + instalment) × (1 + R ÷ 12), instalment added monthly, quarterly or yearly | Instalment at start of each period; step-up (% or fixed ₹) applied each year from month 13 |
| SSY | Interest = lowest balance (5th to month-end) × R ÷ 12, summed for the year and credited at year-end | Deposits for 15 years from opening; account matures 21 years from opening; girl child up to 10 years at opening; ₹250 minimum, ₹1,50,000 maximum per year |
| PPF | Same monthly-balance method, credited annually | 15-year term, extendable in blocks of 5 years with deposits; ₹500 minimum, ₹1,50,000 maximum per year; deposits assumed on or before the 5th, account opened in April |
| CAGR | (End ÷ Start)1÷years − 1 | Needs positive start and end values |
| ROI | (Final − Invested) ÷ Invested × 100 | Annualised ROI shown when a period is entered |
| Future Value | Month-by-month growth at the effective monthly rate (1 + R ÷ n)n÷12 | Optional recurring deposit — monthly, quarterly or yearly, at the start or end of each period |
Results are mathematical projections at a constant rate. Actual market returns vary, and taxes, fees and exit loads are not deducted.