RupeeCase | Systematic Quantitative Investing Terminal by QC AlphaRupeeCase | Systematic Quantitative Investing Terminal by QC Alpha
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RupeeCase Learn/Financial planning toolkit

25 calculators, each with its formula.

A free financial planning toolkit for Indian investors: SIP calculator, XIRR, CAGR, retirement, FIRE, goal planner, capital gains tax, fee drag, drawdown and more. Each one shows the formula, a worked example and the assumptions.

  • 25calculators, one page each
  • 70more inside the modules
  • 0sign ups, nothing stored

25 calculators

01Most used

Start with these.

Returns and compoundingSIP calculatorEnter a monthly amount, a yearly return and a period. The calculator compounds every instalment and shows the value, the money you put in and the gain.Default result₹47.1 LReturns and compoundingXIRR calculatorType one line per date: money you put in as a negative amount, money you took out or the value today as a positive amount.Default result7.69%Costs and feesFee drag over 20 yearsOne gross return, three fee models. See what each takes over the years and what is left.Default result₹12.6 LRisk and drawdownDrawdown and recoveryA 50% fall needs a 100% gain to get back. Move the slider and watch how the cost of a fall grows.Default result42.9%TaxLTCG and STCG on equityEnter the buy and sell price, the quantity and how long you held. The calculator applies the rules for listed equity sold on or after 23 Jul 2024.Default result₹0Goal planningGoal plannerEnter a goal in today’s rupees, the years to it and what you have already saved. The planner works backwards to the monthly SIP.Default result₹40,347

Returns and compounding

How money grows, and how to measure the growth you got.

Returns and compoundingSIP calculatorEnter a monthly amount, a yearly return and a period. The calculator compounds every instalment and shows the value, the money you put in and the gain.Default result₹47.1 LReturns and compoundingStep up SIP calculatorRaise the instalment once a year by a fixed percentage and compare the result with a SIP that never changes.Default result₹82.0 LReturns and compoundingLumpsum calculatorInvest once, let it compound. See the value, the gain and how many times the money multiplies.Default result₹3.11 LReturns and compoundingLump sum vs SIPSame money, two routes: all of it on day one, or equal parts over several months. See the end value of each.Default result₹37.3 LReturns and compoundingCAGR calculatorEnter where an investment started, where it ended and how long it took. The CAGR is the one steady yearly rate that connects the two.Default result20.11%Returns and compoundingXIRR calculatorType one line per date: money you put in as a negative amount, money you took out or the value today as a positive amount.Default result7.69%Returns and compoundingRule of 72Divide 72 by a yearly rate and you get roughly the years it takes to double. The calculator shows the shortcut and the exact answer side by side.Default result6 years

Costs and fees

What fees and charges take out over the years, in rupees.

Costs and feesFee drag over 20 yearsOne gross return, three fee models. See what each takes over the years and what is left.Default result₹12.6 LCosts and feesExpense ratio impactTwo funds, same gross return, different expense ratios. The gap at the end is the fee.Default result₹21.1 LCosts and feesTrade cost calculatorBuy and sell the same value of shares in delivery. See each charge, the total, and the price move needed to break even.Default result₹287

Risk and drawdown

How deep a fall can go, how long it takes to recover, and how to size a position.

Risk and drawdownDrawdown and recoveryA 50% fall needs a 100% gain to get back. Move the slider and watch how the cost of a fall grows.Default result42.9%Risk and drawdownPosition size calculatorDecide how much of the capital one trade may lose if the stop is hit. The calculator turns that into a number of shares.Default result333Risk and drawdownSharpe and volatilityPaste a series of monthly returns in percent. The calculator annualises the volatility and the return and works out the Sharpe ratio.Default result0.46Risk and drawdownTracking errorPaste the fund’s monthly returns and the index’s for the same months. The calculator measures how far apart they move.Default result0.10%

Rebalancing and allocation

When to trade back to target, what it costs, and a textbook starting split.

Rebalancing and allocationRebalance cost at 0.2%RupeeCase charges one fee per rebalance: 0.2% of the value traded. See it per rebalance, per year and over the years.Default result₹600Rebalancing and allocationAsset allocation by risk profileChoose the largest fall in a year you could sit through. The calculator works backwards to an equity, debt and gold split that would have fallen about that much.Default resultBalancedRebalancing and allocationDrift and rebalance bandA holding that outperforms grows past its target weight. Check the drift against a band and size the trade that would restore it.Default result23.6%

Tax

Capital gains on listed equity under the rules from 23 Jul 2024.

TaxLTCG and STCG on equityEnter the buy and sell price, the quantity and how long you held. The calculator applies the rules for listed equity sold on or after 23 Jul 2024.Default result₹0TaxTax loss harvestingEnter the gains you have realised this year and the losses you could realise. The calculator applies the set off order and shows the tax saved and what is left to carry forward.Default result₹22,250

Goal planning

Goals, retirement, emergency funds and inflation, in today’s rupees.

Goal planningGoal plannerEnter a goal in today’s rupees, the years to it and what you have already saved. The planner works backwards to the monthly SIP.Default result₹40,347Goal planningRetirement plannerEnter today’s monthly expenses, your ages and returns before and after retirement. The calculator sizes the corpus and the SIP.Default result₹6.58 CrGoal planningFIRE calculatorYour FIRE number is 25 times a year of expenses at the age you want to stop. See how far your savings get by then at three returns.Default result₹4.04 CrGoal planningEmergency fundAdd up the costs that cannot stop, choose the months of cover and see the target, the gap and the months to close it.Default result₹3.48 LGoal planningReal return after inflationA 12% return with 6% inflation is not 6% better off. The calculator works out the real return exactly, after an optional tax.Default result5.66%Goal planningInflation calculatorPick an amount, an inflation rate and a number of years. See what the same things will cost and what the money will buy.Default result₹3.21 L

70Inside the modules

One worked calculator in every module.

Each one sits in the module that teaches the concept, with the formula explained beside it. Grouped by path.

01Market Foundations

02Systematic Investing Fundamentals

03Factor Investing Deep Dive

04Portfolio Construction

05Advanced Quant Methods

06Indian Financial Products

07Macroeconomics and Market Regimes

08Behavioural Finance and Investor Psychology

09Business and Corporate Analysis

10Strategy Implementation and Execution

11Tax and Regulatory Framework

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Where to go next.

QQuestions

About the toolkit.

Which calculators are here?

25 calculators in six groups: returns and compounding (SIP, step up SIP, lumpsum, lump sum vs SIP, CAGR, XIRR, rule of 72), costs and fees, risk and drawdown, rebalancing and allocation, tax, and goal planning (goal, retirement, FIRE, emergency fund, real return, inflation). Every module also has its own worked calculator.

Are the calculators free, and is anything stored?

Free, with no sign up. Your numbers stay in your browser; the only place they go is the page address, so a result can be shared as a link.

How are SIP returns calculated here?

A yearly return is turned into the compound monthly rate (1 + r)^(1/12) - 1 and instalments are paid at month end. Some calculators divide the yearly rate by 12 and pay at the start of the month, which gives a higher number; each page states its convention.

Do the calculators predict returns?

No. They show what a return you choose would do. Reference figures are labelled with their source and date; RupeeCase figures are model, back tested. Past or back tested returns are not a promise of future returns.

Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.