Corpusly
● Transparent by design

The thinking behind
every calculation.

See the inputs, formulas and assumptions we use to turn complex financial questions into clear, practical estimates.

✓ Standard formulas✓ Assumptions explained✓ Limitations disclosed
HOW OUR CALCULATORS WORK

Clear methods lead to more useful results

Every Corpusly calculator begins with a financial question and a recognised way to model it. Your inputs are processed using formulas commonly used by investors, financial planners, institutions and spreadsheet applications.

We show what goes into each estimate so you can understand the result—not simply accept a number on screen. Projections are built to support planning and comparison; they do not predict markets or guarantee outcomes.

CALCULATOR LIBRARY

Explore each methodology

Open a calculator to review its inputs, core approach and key assumptions.

01SIP CalculatorProjects how regular investments may compound over time.
Inputs used
  • Monthly investment
  • Expected return
  • Duration
  • Optional step-up
Core methodFuture value of a recurring investment, compounded at the calculator frequency
Contributions are made regularly, the selected return remains constant for projection purposes, and actual market returns may vary.
Open SIP Calculator →
02SWP CalculatorModels a corpus while regular withdrawals are made.
Inputs used
  • Initial corpus
  • Expected return
  • Withdrawal amount
  • Duration

At each interval, returns are applied to the remaining invested balance and the selected withdrawal is deducted. The projection indicates how long a corpus may last under those conditions.

Withdrawals occur regularly and returns remain constant. Market volatility, tax and transaction costs may change the outcome.
Open SWP Calculator →
03CAGR CalculatorExpresses multi-year growth as one annualised rate.
Inputs used
  • Beginning value
  • Ending value
  • Duration
Core formulaCAGR = (Ending value ÷ Beginning value)^(1 ÷ Years) − 1
CAGR smooths the full period into a constant annual rate. It does not show year-to-year volatility or the path taken.
Open CAGR Calculator →
04XIRR CalculatorAnnualises returns for cash flows on different dates.
Inputs used
  • Multiple cash flows
  • Transaction dates
  • Final value

The calculator finds the discount rate that makes the net present value of all dated cash flows equal to zero, following the general XIRR methodology used by Excel and Google Sheets.

Cash-flow signs and dates must be accurate. The result is sensitive to the sequence and timing of transactions.
Open XIRR Calculator →
05EPF CalculatorProjects provident fund contributions and accumulated interest.
Inputs used
  • Employee contribution
  • Employer contribution
  • Salary growth
  • EPF rate

Employee and eligible employer EPF contributions are accumulated through the contribution period, with interest applied using the rate and timing configured in the calculator.

Salary growth, contribution rates and EPF interest are projection assumptions. Statutory rules and declared rates can change.
Open EPF Calculator →
06PPF CalculatorEstimates the maturity value of Public Provident Fund deposits.
Inputs used
  • Annual contribution
  • Interest rate
  • Tenure

Eligible deposits are accumulated over the selected tenure and compounded using the interest-rate assumptions configured by the calculator.

PPF rates are set by the Government of India and may change periodically. Contribution timing can also affect credited interest.
Open PPF Calculator →
07Retirement PlannerEstimates the corpus needed to fund future retirement expenses.
Inputs used
  • Current age
  • Retirement age
  • Expenses
  • Inflation
  • Returns
  • Life expectancy

Current expenses are first adjusted for inflation to retirement. The planner then estimates the capital needed to fund those expenses across the selected retirement period.

Inflation, returns and lifespan are uncertain. Small changes to these inputs can materially change the estimated corpus.
Open Retirement Planner →
08Term Insurance CoverageProvides an indicative estimate of life cover needs.
Inputs used
  • Annual income
  • Assets
  • Liabilities
  • Dependants
  • Future obligations

The model considers resources already available against income replacement needs, outstanding obligations and future goals to produce a planning estimate.

This is general guidance, not a personalised insurance recommendation. Health, affordability and policy terms require individual review.
Open Term Coverage Calculator →
09Insurance Premium ComparatorCompares the cost of user-defined insurance scenarios.
Inputs used
  • Premiums
  • Payment term
  • Policy term
  • Scenario details

The comparator places the entered costs on a consistent basis so users can review how premium structures differ across scenarios.

Actual premiums depend on underwriting, medical history, policy wording and insurer-specific decisions. Entered values drive the comparison.
Open Premium Comparator →
10Advanced EMI CalculatorCalculates instalments and interest on a reducing balance loan.
Inputs used
  • Loan principal
  • Interest rate
  • Tenure
  • Payment frequency
Core formulaEMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1)
The rate is assumed constant and instalments are paid on schedule. Fees, penalties and taxes are excluded unless entered.
Open Advanced EMI Calculator →
11Income Tax CalculatorEstimates tax under the selected year and regime.
Inputs used
  • Financial year
  • Tax regime
  • Income
  • Deductions
  • Rebate
  • Cess

Eligible income and deductions are processed through the slabs, rebates, surcharge and cess rules configured for the chosen financial year and regime.

Tax rules can change. The estimate depends on complete and accurate inputs and is not a formal assessment or substitute for a tax return.
Open Income Tax Calculator →
READ RESULTS RESPONSIBLY

Assumptions shape every projection

Financial models simplify the real world. Use the results to explore scenarios, understand trade-offs and prepare better questions—not as guaranteed outcomes.

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Market movement

Actual returns rarely arrive at a constant rate and may vary significantly over time.

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Rates and rules

Interest rates, tax laws, policy terms and statutory rules may change.

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Costs and taxes

Fees, charges and taxes are excluded unless a calculator explicitly includes them.

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Your circumstances

A general-purpose model cannot account for every personal goal, risk or constraint.

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