Exam-Ready
Financial Calculators

💵

Simple Interest

Calculate interest on a principal at a fixed rate for a given time period.

JAIIB MSME

📈

Compound Interest

Compute interest compounded yearly, half-yearly, quarterly or monthly.

JAIIB CAIIB

🏦

EMI Calculator

Calculate equated monthly instalment on a reducing-balance loan.

JAIIB CAIIB MSME

📋

Loan Amortization Schedule

Period-by-period breakup of principal vs interest over the loan tenure.

JAIIB CAIIB

⚖️

Flat Rate vs Reducing Rate

Convert flat interest rate to effective reducing-balance rate and vice versa.

JAIIB CAIIB

🎯

Effective Annual Rate (EAR)

Find the true annual rate when interest is compounded more than once a year.

JAIIB CAIIB

⏳

PV / FV – Single Sum

Present value and future value of a lump sum with any rate and time.

JAIIB CAIIB

🔄

Annuity PV / FV

PV and FV of ordinary annuity and annuity-due (beginning-of-period).

JAIIB CAIIB

♾️

Perpetuity Valuation

Value an infinite stream of equal periodic cash flows.

CAIIB

🧮

Net Present Value (NPV)

Evaluate investment viability by discounting all future cash flows.

JAIIB CAIIB

📉

Internal Rate of Return (IRR)

Find the discount rate that makes NPV = 0 using Newton-Raphson iteration.

CAIIB

📜

Bond Pricing

Price a bond given its face value, coupon rate, yield, and maturity.

CAIIB

📊

Yield to Maturity (YTM)

Calculate YTM and current yield of a bond given its market price.

CAIIB

⏱️

Macaulay & Modified Duration

Measure interest-rate risk of a bond using Macaulay and modified duration.

CAIIB

💹

Holding Period Return

Total return on an investment over the holding period including income.

CAIIB

🧾

Bill Discounting

True discount, banker's discount and bill value calculations.

JAIIB CAIIB

💱

Forex & Cross Rates

Cross rates, forward premium/discount, and bid-ask spread calculations.

CAIIB

🔻

Depreciation (SLM & WDV)

Straight Line Method and Written Down Value depreciation schedules.

JAIIB CAIIB MSME

📐

Financial Ratios

Liquidity, solvency, profitability, and efficiency ratio calculator.

JAIIB CAIIB

⚡

Break-Even Analysis

Find break-even units, revenue, and margin of safety.

JAIIB CAIIB MSME

🔁

Working Capital

Compute net working capital, current ratio, and operating cycle.

JAIIB CAIIB MSME

📏

Mean, Median & Mode

Descriptive statistics: arithmetic mean, median, mode from a data set.

CAIIB

σ

Standard Deviation & Variance

Population and sample standard deviation, variance, and coefficient of variation.

CAIIB

📈

Correlation & Regression

Pearson correlation coefficient and simple linear regression (y = a + bx).

CAIIB

🎲

Probability Calculator

Combinations, permutations, Bayes' theorem, and basic probability rules.

CAIIB

📦

Index Numbers

Laspeyres, Paasche and Fisher price/quantity index numbers.

JAIIB CAIIB

🏛️

Capital Adequacy (CRAR)

Calculate CRAR, Tier-1, Tier-2 ratios as per RBI Basel III guidelines.

CAIIB IIBF

🏦

CASA & CD Ratio

CASA ratio, credit-deposit ratio, and investment-deposit ratio.

JAIIB CAIIB

⚠️

NPA & Provisioning

NPA classification (90-day norm) and provisioning requirements.

JAIIB CAIIB

💹

Real vs Nominal Rate

Fisher equation: real interest rate, nominal rate, inflation adjustment.

JAIIB CAIIB

💧

Liquidity Coverage Ratio (LCR)

LCR = HQLA ÷ Net 30-day stress outflows × 100. RBI minimum 100% — ensures short-term liquidity resilience.

CAIIB IIBF

⚓

Net Stable Funding Ratio (NSFR)

NSFR = Available Stable Funding ÷ Required Stable Funding ≥ 100%. Basel III structural liquidity metric.

CAIIB IIBF

🏗️

Basel III Leverage Ratio

Leverage Ratio = Tier-1 Capital ÷ Total Exposure ≥ 3% (4% for D-SIBs). Non-risk-weighted capital backstop.

CAIIB IIBF

🔮

Currency Forward Rate

Calculate forward exchange rate using Covered Interest Rate Parity (IRP). Forward = Spot × (1+r_d×T)/(1+r_f×T).

CAIIB

📉

Forex Futures P&L

NSE USDINR futures profit/loss calculator. Lot = 1,000 USD, tick = ₹0.0025, tick value = ₹2.50.

CAIIB

⚙️

Forex Options (Black-Scholes)

Black-Scholes pricing for currency call and put options. d1, d2, N(d) calculation with step-by-step workings.

CAIIB

🔁

Interest Rate Swap

Plain vanilla IRS net settlement. Fixed leg vs floating leg (MIBOR). Shows who pays/receives per period.

CAIIB

📋

Forward Rate Agreement (FRA)

FRA settlement = (L−F)×N×D/Y / (1+L×D/Y). Buyer protects against rising rates; seller against falling.

CAIIB