What this hub is
One page you can open from any device to reach a purpose-built calculator for each question, with no sign-in. Each calculator page stands alone: the inputs are labelled plainly, the output shows its arithmetic, the explainer states the formula, and the course that teaches the subject is linked. If you already know the maths, it is faster than building a spreadsheet. If you do not, the explanation is on the same page.
How these calculators work
They work on the numbers you type and nothing else. There are no connected accounts and no stored history, and the calculators send nothing you type anywhere. Formulas are declared on each page so the output can be checked by hand. Where a tax or interest rate is time-sensitive we state the date the figure was verified and link the source, so you can reset the input if a rate has moved since.
Every calculator page also carries a worked example you can follow with a pocket calculator. The example uses the same arithmetic the widget runs; if your browser has JavaScript switched off, the explanation and example still read correctly.
The groups, in one sentence each
- Options and trading. Pricing, risk, margin and trade-cost tools for anyone studying or trading derivatives and equities.
- Technical levels. Pivot, Fibonacci and Elliott-wave levels computed from the swing prices you already mark.
- SIP and mutual funds. SIP, step-up, lump sum, SWP, STP, CAGR and mutual-fund returns, all built on the same time-value arithmetic.
- Wealth and retirement planning. Corpus, inflation, term-insurance cover and multi-asset growth over long horizons, with rate phases that can change by stage.
- Government schemes and benefits. PPF, EPF, NPS, Sukanya Samriddhi Yojana and gratuity, using each scheme's rules, with the rate date shown.
- Loans and EMI. Standard amortisation for home, personal, car, bike, education and credit-card balance EMIs, with a prepayment view where it applies.
- Deposits and interest. Fixed-deposit and recurring-deposit maturity by compounding frequency, plus simple-versus-compound arithmetic for the base case.
- Company and business numbers. Dividend yield, gross profit, EBITDA, discount, commission and expenditure maths for analysts and small-business owners.
- Tax and salary. Income tax under both regimes, GST and VAT add-remove, and an in-hand salary split that lets you plan what is left.
Frequently asked questions
Are the NIFM calculators free?
Yes. Every calculator in the hub is free to use, works without a sign-in and does not send your inputs anywhere. The pages you see here are maintained by NIFM alongside its stock-market, mutual-fund and taxation courses.
Do the calculators work without JavaScript?
The interactive widget needs JavaScript. If you switch it off, the formula, the worked example and the explanatory copy still read correctly, so the maths is checkable even with a phone calculator.
Where do rates and tax figures come from?
Each page labels the source and the date for any time-sensitive figure: RBI press releases for the 91-day Treasury-bill yield, and the Finance Act or Income-tax Act for tax rates. Everything you type stays user-editable.
Is the hub the same on a phone and a laptop?
Yes. Pages use the same arithmetic on either screen and only the layout changes. On a phone, the fields stack in one column and the main result stays visible at the bottom of the screen as you change the numbers.
Can the calculators tell me what to do with my money?
No. They perform arithmetic on the numbers you enter and show the working. They state what the formula gives, not what action to take. For personal tax or investment questions, speak to a qualified professional or chartered accountant.
Learn the subjects these calculators measure
NIFM Certified Smart Investor Course
An exhaustive recorded stock-market course for beginners. Equity, derivatives, commodities, currency markets and ODIN trading-software training.
₹7,500 + 18% GST
Mutual Funds Beginners Module
Mutual-fund concepts from the foundation level, including equity, hybrid, debt, liquid, Gold ETFs and the role of AMCs, fund managers and SEBI.
₹1,400 + 18% GST
Option Greeks Trading Course
Seven hours in Hindi on the five factors that drive option prices: Delta, Gamma, Vega, Theta and Rho.
₹5,500 + 18% GST
