Toolkit
Investment Toolkit
Investing well is mostly about doing the math early and being consistent. This toolkit groups the calculators that show how your money grows — across SIPs, lumpsum bets, and the steady end of the spectrum like FDs.
Tools in this kit
SIP Calculator
Project the future value of a monthly Systematic Investment Plan with adjustable returns.
Step-Up SIP Calculator
Project a SIP that grows by a fixed % each year — matching your rising income.
Lumpsum Investment Calculator
Compute the future value of a one-time investment at a given expected annual return.
Compound Interest Calculator
Calculate the future value of any deposit with selectable compounding frequency.
FD Calculator
Find the maturity value of a Fixed Deposit and the total interest earned.
FD vs RD Calculator
Compare a lumpsum Fixed Deposit against a monthly Recurring Deposit at the same rate.
Real Return Calculator
Compute the inflation-adjusted (real) return on any investment using the Fisher equation.
Stock Average Price Calculator
Calculate your weighted average cost across multiple buys — and live unrealized P&L.
Worth reading
2 min read
Stock market basics — for adults who don't want to be talked down to
What you actually own when you buy a stock, how prices are set, and the small set of ideas that matter most.
2 min read
Index funds vs stock picking — what the math actually says
An honest comparison of indexing and active stock picking, with the numbers that should drive your decision.
2 min read
Building a diversified portfolio that actually holds up
A practical, jargon-light framework for putting together a portfolio that survives bad years without sacrificing long-term growth.
2 min read
Common mistakes in budgeting (and how to fix them)
Six small, persistent errors that quietly break personal budgets — and the simple shifts that fix them.
Quick tips
- 1Start early — time in the market beats timing the market.
- 2Don't ignore compounding frequency on debt instruments.
- 3Keep equity allocation aligned to your time horizon, not your mood.
- 4Review rebalancing once a year, not once a quarter.