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JAIIB · CAIIB · IIBF Certification

Exam-ready
financial calculators

30+ calculators covering every numerical topic in the syllabus — from Simple Interest to Bond Duration.

38 Calculators 7 Categories JAIIB · CAIIB · IIBF covered Works on mobile

Interest & Loans

6 calculators

Simple Interest

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

Compound Interest

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

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.

Flat Rate vs Reducing Rate

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

Effective Annual Rate (EAR)

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

Time Value of Money

5 calculators

PV / FV – Single Sum

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

Annuity PV / FV

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

Perpetuity Valuation

Value an infinite stream of equal periodic cash flows.

Net Present Value (NPV)

Evaluate investment viability by discounting all future cash flows.

Internal Rate of Return (IRR)

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

Investment & Securities

6 calculators

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

Yield to Maturity (YTM)

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

Macaulay & Modified Duration

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

Holding Period Return

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

Bill Discounting

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

Forex & Cross Rates

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

Accounting & FM

4 calculators

Depreciation (SLM & WDV)

Straight Line Method and Written Down Value depreciation schedules.

JAIIB CAIIB MSME

Financial Ratios

Liquidity, solvency, profitability, and efficiency ratio calculator.

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

Statistics & Quantitative

5 calculators

Mean, Median & Mode

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

Standard Deviation & Variance

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

Correlation & Regression

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

Probability Calculator

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

Laspeyres, Paasche and Fisher price/quantity index numbers.

Banking & Regulatory

7 calculators

Capital Adequacy (CRAR)

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

CASA & CD Ratio

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

NPA & Provisioning

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

Real vs Nominal Rate

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

Liquidity Coverage Ratio (LCR)

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

Net Stable Funding Ratio (NSFR)

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

Basel III Leverage Ratio

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

Forex & Derivatives

5 calculators

Currency Forward Rate

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

Forex Futures P&L

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

Forex Options (Black-Scholes)

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

Interest Rate Swap

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

Forward Rate Agreement (FRA)

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

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