Free Professional Finance Calculators

Smart tools for smarter decisions

Five precision calculators — EMI, Present Value, Beta, CAGR, and SIP — built for finance professionals and investors worldwide.

Present Value Calculator
What is a future cash flow worth in today's money?
₹
%
yrs
Present Value
₹6,20,921
Future Value₹10,00,000
Discount Applied₹3,79,079
Effective Rate/Period10.00%

Formula

PV = FV / (1 + r/n)^(n×t)

A higher discount rate reduces present value. Use your WACC or required rate of return as the discount rate.

EMI Calculator
Equated Monthly Instalment on any loan.
₹
% p.a.
yrs
Monthly EMI
₹43,391
Principal₹50,00,000
Total Interest₹54,13,793
Total Payment₹1,04,13,793
Interest Ratio52.0%

Formula

EMI = P × r(1+r)^n / ((1+r)^n - 1)
Beta (β) Calculator
Measure a stock's volatility relative to the market.

Or enter directly

Beta (β)
1.50
Market SensitivityHigh
InterpretationMore volatile than market
If Market +10%+15.0%
If Market −10%−15.0%

Formula

β = Cov(Rᵢ, Rₘ) / Var(Rₘ)

β < 1: less volatile. β = 1: moves with market. β > 1: amplified swings.

CAGR Calculator
Compound Annual Growth Rate — the smoothed growth rate over time.
₹
₹
yrs
CAGR
28.47%
Beginning Value₹1,00,000
Ending Value₹3,50,000
Absolute Return+250.0%
Value Multiplier3.50x

Formula

CAGR = (EV/BV)^(1/n) − 1
SIP / Future Value Calculator
Project wealth from regular investments over time.
₹
% p.a.
yrs
₹
Estimated Future Value
₹50,45,760
Total Invested₹18,00,000
Returns Earned₹32,45,760
Wealth Multiplier2.80x
Effective CAGR12.00%

SIP Formula

FV = P × [(1+r)^n − 1] / r × (1+r)

Returns are estimated and not guaranteed. Past performance is not indicative of future results.