Methodology

How Our Calculators Work

At Corpusly, we believe users should understand how financial calculations are performed.

Our calculators are built using widely accepted financial formulas and methodologies commonly used by investors, financial planners, financial institutions, and spreadsheet software.

The purpose of this page is to explain the assumptions and methodologies behind the calculations available on Corpusly.

SIP Calculator

The SIP Calculator estimates the future value of regular investments made over time.

The calculation considers:

  • Monthly investment amount
  • Expected annual return
  • Investment duration
  • Optional step-up contributions

Assumptions:

  • Returns are compounded annually.
  • Contributions are made regularly throughout the investment period.
  • Return rates remain constant for projection purposes.

The calculator is intended to provide an estimate of long term investment growth.

SWP Calculator

The SWP Calculator estimates how a corpus may behave when periodic withdrawals are made.

The calculation considers:

  • Initial investment amount
  • Expected annual return
  • Monthly withdrawal amount
  • Duration of withdrawals

Assumptions:

  • Returns are earned on the remaining corpus.
  • Withdrawals occur at regular intervals.
  • Investment returns remain constant for projection purposes.

Results help users understand withdrawal sustainability and corpus longevity.

CAGR Calculator

The CAGR (Compound Annual Growth Rate) Calculator measures the annualized rate of return between an initial value and a final value over a specified period.

The calculation considers:

  • Beginning value
  • Ending value
  • Investment duration

CAGR helps investors compare the performance of investments across different time periods.

XIRR Calculator

The XIRR Calculator measures annualized returns when investments and withdrawals occur on different dates.

The calculation considers:

  • Multiple cash flows
  • Actual transaction dates
  • Final investment value

The methodology is similar to the XIRR function available in spreadsheet software such as Microsoft Excel and Google Sheets.

XIRR is commonly used for evaluating mutual fund investments, SIPs, and portfolios with irregular cash flows.

EPF Calculator

The EPF Calculator estimates future Employee Provident Fund balances.

The calculation includes:

  • Employee contributions
  • Employer contributions
  • Annual salary growth assumptions
  • EPF interest rates

Results are intended to provide an estimate of long term retirement savings accumulation.

PPF Calculator

The PPF Calculator estimates the maturity value of Public Provident Fund investments.

The calculation considers:

  • Annual contributions
  • Applicable interest assumptions
  • Investment tenure

Actual interest rates are determined by the Government of India and may change periodically.

Retirement Planner

The Retirement Planner estimates the corpus required to support expenses after retirement.

The calculation may consider:

  • Current age
  • Retirement age
  • Current expenses
  • Inflation assumptions
  • Expected investment returns
  • Life expectancy

The planner projects future expenses and estimates the corpus required to support those expenses throughout retirement.

Term Insurance Coverage Calculator

The Term Insurance Coverage Calculator estimates the amount of life insurance coverage that may be appropriate based on a user's financial situation.

The calculation may consider:

  • Annual income
  • Existing assets
  • Outstanding liabilities
  • Financial dependents
  • Future financial obligations

Results are intended as general guidance only and should not be treated as insurance recommendations.

Insurance Premium Comparator

The Insurance Premium Comparator allows users to compare premiums across different insurance scenarios.

Results are based on information entered by users and should be used for comparison purposes only.

Actual premiums may vary based on underwriting decisions, policy terms, medical history, and insurer-specific factors.

Assumptions and Limitations

Financial calculations require assumptions regarding investment returns, inflation rates, interest rates, contributions, withdrawals, and other variables.

Actual outcomes may differ significantly from projected results.

Users should view all outputs as estimates rather than guarantees.

Transparency and Accuracy

We strive to make our calculations transparent, easy to understand, and based on widely accepted financial methodologies.

While every effort is made to ensure accuracy, users should independently verify information before making financial decisions.

Important Disclaimer

Corpusly is an educational and informational platform. The calculators and information available on this website do not constitute financial, investment, tax, legal, accounting, or insurance advice. Users should consult qualified professionals before making financial decisions.
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