Calculators

Calculator Guides

Everyday arithmetic goes wrong in predictable ways, and these guides work through the formulas rather than just handing over an answer. Percentage change is the usual starting point: the difference between a percentage and a percentage point, why a 50 percent fall needs a 100 percent rise to recover, and why the order of two successive changes does not matter but the base you divide by absolutely does. Compound interest guides show what the compounding frequency actually contributes, how APR and APY differ, and why a small change in rate compounds into a large change in outcome over a long enough term. Loan and mortgage guides break down amortisation schedules payment by payment, showing how much of each instalment is interest early on and what an extra payment really saves. Each formula is stated plainly, then worked through with numbers you can check.

For real-world SIP and mutual-fund investment planning beyond the pure interest math, NV Trends covers the decision-making side: understanding SIPs in India.

1 guide in this topic · All posts