Investment calculators
Explore your assumptions across goals, returns, fixed income, and property. Calculations run in your browser.
Goal & SIP
Project a regular investment and estimate the monthly contribution needed for your target.
Monthly rate = (1 + annual return)^(1/12) − 1. Fixed monthly contributions; no step-up. Target is a future nominal amount. Taxes, fees, and inflation are excluded. Assumed returns are scenarios, not forecasts.
XIRR
Enter investments as negative amounts and receipts or final portfolio value as positive amounts.
Actual elapsed days on a 365-day basis. Include the current portfolio value on its valuation date. Same-date flows are combined; one sign change is supported. Rates are searched from −99.9999% to 1,000,000%; complex cash flows may have multiple or no solutions. XIRR methodology.
Bond yield to maturity
A regular fixed-coupon bond model, valued on a coupon date with the next coupon one full period away.
Discounts each coupon and final redemption to the entered price. Years × frequency must give complete periods. Excludes accrued-interest adjustments between coupon dates, irregular coupons, calls, default, fees, and tax. YTM assumes scheduled payments; realised returns depend on reinvestment and holding period. Bond risks.
Rental yield
Compare headline rental income with the income left after vacancy and operating expenses.
Gross yield = monthly rent × 12 ÷ acquisition cost. Net operating yield = (rent × occupied months − expenses) ÷ acquisition cost. Include maintenance, property tax, insurance, and letting costs in expenses. Financing costs, income tax, and capital appreciation are excluded.