Tools

Calculators you can use without writing code. Each one comes with a post that explains the method step by step, and each reproduces that post’s worked example, so you can check it before trusting it with your own numbers.

The calculators work right on the page. The Google Sheets open view-only: use File → Make a copy to get your own editable version. Either way, nothing you type is shared with us or anyone else.

• Google Sheet · Mutual Funds, Minus the Marketing

  Rolling returns calculator

  Paste any daily NAV or index series and see the spread of N-year CAGRs (compound annual growth rates) across every start date: windows counted, minimum, median, maximum and the share of windows below a threshold.

  Prefilled with: UTI Nifty 50 Index Fund (regular, growth) NAV to 31 March 2026, from AMFI via mfapi.in.

  Open the Google Sheet How to use it How it works: Rolling returns in mutual funds: how to calculate them

• Google Sheet · Mutual Funds, Minus the Marketing

  SIP and XIRR calculator

  Work out what a monthly SIP (systematic investment plan) became and its XIRR (extended internal rate of return) for any start and end date. A second tab takes any list of dated cash flows.

  Prefilled with: UTI Nifty 50 Index Fund (regular, growth) NAV to 31 March 2026, from AMFI via mfapi.in.

  Open the Google Sheet How to use it How it works: SIP returns and XIRR: five years that returned nothing

• Google Sheet · Fundamental Analysis

  Desi Bites DCF calculator

  Change the forecast for Desi Bites Foods, the blog's fictional company, and watch enterprise value, the terminal value's share and value per share move. Includes a reverse DCF (discounted cash flow) and a sensitivity grid of WACC (weighted average cost of capital) against terminal growth.

  Prefilled with: Desi Bites Foods FY25 accounts and the base-case forecast from the case study (fictional company).

  Open the Google Sheet How to use it How it works: Terminal value: the number that quietly becomes most of your valuation

• Calculator · Risk, Leverage and Your Own Brain

  Loss recovery and leverage calculator

  Enter a fall and see the rise needed to get back. Then add borrowed money, an interest rate and a price move, and see what leverage does to the return on your own money, including the move that wipes it out.

  Prefilled with: the losses post's Nifty 50 index fund fall in 2008, and the leverage post's illustrative margin trade.

  Use the calculator How it works: The arithmetic of losses: why −50% needs +100%

• Calculator · Mutual Funds, Minus the Marketing

  Cost drag calculator

  See what an extra annual cost, such as a regular plan's higher expense ratio, takes out of a lump sum over any number of years, in rupees and as a share of the final value.

  Prefilled with: the direct and regular plans of Parag Parikh Flexi Cap Fund, 28 May 2013 to 31 March 2026, from AMFI via mfapi.in (the expense ratio post's example).

  Use the calculator How it works: Expense ratio in mutual funds: direct vs regular plan

• Calculator · Risk, Leverage and Your Own Brain

  Real return calculator

  Turn a return into what it actually bought after inflation: the value in start-year rupees, the real return a year, and how far off the "return minus inflation" shortcut is.

  Prefilled with: a one-year SBI fixed deposit rolled over, and CPI inflation, March 2013 to March 2026 (the inflation post's example).

  Use the calculator How it works: Inflation and real returns: what your money actually bought

These are teaching tools. They show how a calculation works on the numbers you give them; they don’t tell you what to buy, sell or hold, and they don’t value any real listed company. See the disclaimer.