Financial Calculators
Simple, accurate tools for everyday financial decisions.
Merton's Return & Spending
Calculate risk-adjusted return, optimal allocation (Merton Share), and optimal spending rates using CRRA utility.
Loan EMI
Calculate monthly repayments, total interest, and view a full amortisation schedule.
Net Present Value
Find the present value of a future cash flow given a discount rate and time period.
Annuity
Price a stream of regular payments — finite annuity or perpetuity.
Growing Annuity
Value a series of payments that grow at a constant rate each period.
Regular Savings
Project the future value of regular contributions with compound interest.
Bond Pricer
Price a fixed-coupon bond given yield to maturity, face value, and maturity.