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Interest and Investment Return Tools

Explore calculators that help you evaluate interest rates, investment returns, and payment structures. Whether you’re calculating bond value, annuity payments, or annual salary increases, these tools provide clear financial insights to support smart planning.

Yield to Maturity (YTM)

This calculator helps you calculate the Yield to Maturity (YTM) of a bond or fixed-income investment. YTM represents the total return an investor can expect to earn if the bond is held until maturity, accounting for the current bond price, face value, coupon interest, and the time remaining until maturity.

Value Added Tax (VAT)

This calculator helps you calculate the Value Added Tax (VAT) for a product or service. By inputting the price and VAT rate, it calculates the VAT amount and the total price including VAT, making it easier to determine the cost of goods and services with VAT applied.

Term Deposit

This calculator helps you calculate the maturity value of a term deposit, considering the principal, interest rate, and the term length. It’s useful for individuals looking to invest a lump sum amount for a fixed term and receive a guaranteed return at the end of the term.

Special Recurring Deposit

This calculator helps you determine the maturity value of a special recurring deposit, considering the monthly deposit amount, interest rate, and term. Special recurring deposits often offer higher interest rates or different compounding schedules compared to regular recurring deposits, and this tool helps you calculate the total value upon maturity.

Rule 78 Interest Allocation

This calculator helps you determine the interest charges for loans calculated using the Rule of 78, which allocates more interest to the earlier months of the loan. This is useful for understanding the impact of paying off a loan early, especially when prepayment penalties are involved.

Rule 72 Time to Double

This calculator uses Rule 72 to estimate how long it will take to double an investment at a given interest rate. Input the annual interest rate, and the calculator will show you the approximate number of years required to achieve your goal.

Rule 70 Time to Double

This calculator uses Rule 70 to estimate how long it will take to double an investment at a given interest rate. Input the annual interest rate, and this tool will calculate the approximate number of years required to double your investment.

Rule 69 Time to Double

This calculator uses Rule 69 to estimate how long it will take to double an investment with continuous compounding. Simply input the annual interest rate, and this tool will calculate the approximate number of years it will take to achieve your investment goal.

Return On Advertising / Ad Spend (ROAS)

This calculator helps you determine the Return On Advertising Spend (ROAS) by comparing the revenue generated from ads to the amount spent on advertising. It's an essential tool for marketers and businesses to assess the effectiveness and profitability of their advertising campaigns.

Reinvestment Plan Deposits

This calculator helps you calculate the amount to be deposited in a reinvestment plan in order to achieve a desired future value. By factoring in the principal, interest rate, and reinvestment strategy, it helps you plan your investment strategy and understand how your regular deposits will grow over time.

Refinance Interest Saving

This calculator helps you calculate the savings on interest after refinancing your loan. By comparing the old and new loan terms, it shows how much you can save by refinancing your loan with a lower interest rate or a modified term.

Recurring Deposit Maturity Value

This calculator helps you determine the maturity value of a recurring deposit. By considering the monthly deposit, interest rate, and the tenure, this tool calculates the total value of the deposit at the end of the term, including the principal and accumulated interest.

Net Present Value (NPV)

This calculator helps you determine the Net Present Value (NPV) of an investment or project by considering the present value of future cash flows and subtracting the initial investment. NPV is a key metric in investment decisions, helping you assess the profitability of a project by considering the time value of money.

Monthly Income Deposit

This calculator helps you determine the monthly deposit amount required to achieve a desired monthly income over a specific time period. It's useful for individuals planning for future income, such as retirement or other financial goals, by determining the necessary deposits to reach a target monthly payout.

Maturity Value

This calculator helps you determine the maturity value of an investment, considering the principal, interest rate, and time period. It is particularly useful for calculating the final value of fixed deposits, bonds, or other interest-bearing investments at the end of their term.

Lumpsum Quarterly Repayment

This calculator helps you determine the quarterly repayment amount for a lump sum loan or investment. By inputting the loan amount, interest rate, and repayment term in quarters, you can calculate the fixed quarterly payment required to repay the lump sum over the specified period.

Lump Sum Monthly Repayment

This calculator helps you determine the monthly repayment amount for a lump sum loan or investment. By inputting the loan amount, interest rate, and repayment term, you can calculate the fixed monthly payment needed to repay the lump sum over the given period.

IRR (Internal Rate of Return) / ERR (Effective Rate of Return)

This calculator helps you determine the Internal Rate of Return (IRR) or Effective Rate of Return (ERR) for an investment project. IRR and ERR are key metrics used to evaluate the profitability of investments and compare different financial options by finding the rate at which the net present value (NPV) of cash flows equals zero.

Immediate (Ordinary) Annuity

This calculator helps you determine the fixed periodic payments of an ordinary annuity, where payments are made at the end of each period. It’s useful for retirement planning, pension schemes, and investment evaluations that involve regular, consistent payments over time.

Fixed Deposit

This calculator helps you determine the returns on a fixed deposit based on principal, interest rate, and tenure. It’s ideal for planning investments, comparing different fixed deposit schemes, and forecasting future savings growth with compounded interest.

Fibonacci Retracement

This calculator helps traders and investors apply Fibonacci retracement levels to analyze potential price retracements in financial markets. By calculating key support and resistance levels, it can assist in making informed decisions about potential entry and exit points.

Economic Value Added (EVA)

This calculator helps you determine the Economic Value Added (EVA), a key financial performance metric that calculates a company's true economic profit. EVA considers both operating income and the cost of capital, providing a clearer picture of value creation above and beyond the cost of capital.

EBIT Margin

This calculator helps you determine the EBIT margin, a key profitability ratio that shows the percentage of earnings before interest and taxes (EBIT) relative to revenue. It's an important metric for evaluating operational efficiency, helping investors and managers assess the profitability of a company’s core business activities.

Earnings Before Interest and Taxes

This calculator helps you determine a company’s earnings before interest and taxes (EBIT). EBIT is a key financial metric used to evaluate a company's profitability from operations without considering its capital structure, taxes, or interest costs.

Discounted Interest

This calculator helps you calculate the discounted interest, which is useful for evaluating investment or loan offers. It adjusts the nominal interest rate by accounting for the time value of money using a specific formula to provide more accurate discounting of future cash flows.

Deferred Annuity Payment

This calculator helps determine the fixed payment amount for a deferred annuity—where payments start after a set delay. It’s useful for retirement planning, investment evaluation, and understanding how time affects annuity values.

Debt to Assets Ratio

This calculator helps you assess the proportion of a company's assets that are financed through debt. The Debt to Assets Ratio is a key financial metric that indicates long-term solvency and financial risk, useful for investors, lenders, and analysts.

Debtors Days

This calculator helps businesses determine how long it takes, on average, to collect payments from customers. By calculating debtors days, you can evaluate the efficiency of your accounts receivable and improve your cash flow management.

Debt to Equity Ratio Analyzer

This calculator helps you assess a company’s financial leverage by comparing its total liabilities to shareholders' equity. The Debt to Equity Ratio is a key indicator of risk and stability, especially useful in investment analysis, credit evaluation, and corporate finance.

Debt Coverage Ratio

This calculator helps assess a borrower's ability to repay debt using the Debt Coverage Ratio (DCR). It compares net operating income to total debt obligations, offering a clear view of financial sustainability—especially for lenders, investors, or property owners.

Debt Consolidation Payment

This calculator helps you determine the monthly payment required to repay a consolidated debt. By entering the total debt amount, interest rate, and term, you can estimate a fixed monthly payment and plan your finances more effectively.

Interest Coverage Ratio

This calculator helps you evaluate a company's ability to meet its interest obligations using the interest coverage ratio. It compares earnings before interest and taxes (EBIT) to interest expenses, giving you a clear picture of financial stability and debt service capacity.

Present Value with Continuous Compounding

This calculator determines the present value (PV) of a future amount (FV) using continuous compounding. It's a powerful tool in finance for understanding the time value of money when interest is compounded infinitely often.

Compound Annual Growth Rate

Use this calculator to find the Compound Annual Growth Rate (CAGR), which represents the mean annual growth rate of an investment over a specified period, assuming the profits are reinvested. It helps you evaluate performance across years with consistent compounding.

Cash Certificate Issue Price

Use this tool to calculate the present issue price of a cash certificate or fixed deposit. It helps determine how much you need to invest today to receive a specified amount at maturity, factoring in the interest rate and duration.

Bond Present Value

This calculator estimates the present value of a bond based on its coupon payments, interest rate, face value, and time to maturity. It's a useful tool for investors assessing the fair value of fixed-income securities like treasury or corporate bonds.

Monthly Annuity Payment

This calculator helps you determine the fixed monthly payment for an annuity based on the principal amount, interest rate, and term. It’s essential for retirement planning, structured settlements, and any scenario involving regular withdrawals from an investment over time.

Annual Salary Increment

This calculator helps you determine the annual percentage yield (APY), a key indicator of real returns on savings or investments. APY accounts for the effects of compounding interest, providing a more accurate picture than nominal rates. Ideal for comparing savings accounts, CDs, or investment opportunities.

Annual Salary Increment

Use this tool to calculate your new salary after a yearly increment. Whether you're negotiating a raise, forecasting future income, or budgeting, this calculator helps you estimate your increased salary based on a percentage raise.

Unearned Interest by Actuarial Method

This calculator helps determine the unearned interest on a loan using the actuarial method. It's useful for lenders and borrowers who want to understand how much interest is yet to be earned based on the current loan balance. The result adjusts based on how much of the loan has been repaid, using a compounding ratio.