Loan & EMI Calculator
Borrowing responsibly means understanding what each monthly payment truly costs. Warren Buffett reminds us that debt can be a tool for opportunity when managed wisely. This calculator reveals your EMI, total interest, fees, and real cost after inflation—arming you with clarity before you sign any documents.
FAQs
Why include processing fees?
Fees add to your cost of borrowing. Buffett emphasizes knowing every expense so your margin of safety remains intact.
What is real cost?
Real cost accounts for inflation—measuring your purchasing power over time, not just rupees paid.
Savings Growth Calculator
Compounding is the single most powerful force in investing. Buffett started small and let time magnify his gains. Project how your lump sum and monthly contributions grow over time, both nominally and adjusted for inflation.
FAQs
Why adjust for inflation?
True wealth measures purchasing power. Buffett advises keeping pace with—or ahead of—inflation to preserve value.
How do monthly deposits help?
Regular contributions harness dollar-cost averaging and ensure you keep adding to the compounding machine.
Retirement Planner
Planning ahead means you retire on your terms, not yours after market whims. Buffett started early: small seeds planted today bear a forest of returns tomorrow. This planner shows how your savings grow over your career.
FAQs
How early is early enough?
Buffett bought his first stock at 11. The earlier you start, the longer compounding works in your favor.
What rate should I assume?
Use conservative long-term averages (6–8%) rather than chasing last year’s winners.
Budget & Expense Tracker
“Do not save what is left after spending; spend what is left after saving.” Buffett stresses living below means. Track every rupee spent to ensure you save first and spend mindfully.
| Description | Amount (₹) | Date | Remove |
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Total Expenses: ₹0.00
FAQs
Why record every expense?
Awareness breeds control. Buffett believes personal finance begins with knowing every dollar out the door.
How often should I review?
At least monthly. Regular checks let you catch leaks before they become floods.
Emergency Fund Calculator
Cash reserves are your margin of safety in life’s storms. Buffett holds liquidity for opportunities and emergencies alike. Calculate how many months’ expenses you need to sleep soundly.
FAQs
Why not invest emergency cash?
Liquidity beats return when peace of mind is on the line. Buffett warns against forcing sales in downturns.
How big should the fund be?
Three to six months is standard; adjust for job stability and personal risk tolerance.
Net Worth Dashboard
Your net worth is a snapshot of where you stand. Buffett tracks assets vs. liabilities to measure progress. Make it a habit—what gets measured gets managed.
FAQs
What assets should I include?
Include everything you own of value—cash, investments, property.
What liabilities count?
Any money you owe: loans, credit-balances, mortgages.
Asset Allocation Adviser
Diversification is protection against ignorance. Buffett keeps it simple: align risk tolerance with a balanced spread. This adviser suggests a starting point for your portfolio.
FAQs
Why diversify?
Diversification reduces risk of a single investment. Buffett warns not to put all eggs in one basket.
How often adjust?
Review yearly or after major life events—keep it simple and avoid market timing.
Tax Liability Estimator
Taxes are certain—Buffett plans for them. Estimate your annual tax to budget effectively and consider deferment strategies.
FAQs
Does this include deductions?
Use gross income here. Adjust manually for deductions to refine your estimate.
When should I pay?
Buffett pays attention to timing. Plan ahead to avoid year-end surprises.
Compound Interest Calculator
Buffett calls compounding the eighth wonder of the world. This calculator lays bare not just your future value, but shows hidden earnings as gross interest, hidden expenses in taxes and fees, and real purchasing power after inflation.
FAQs
What are hidden earnings?
Gross interest before taxes and fees—Buffett tracks both gross and net returns to understand true growth.
How do taxes and fees affect compounding?
They erode the compounding power. Even small rates significantly reduce long-term growth.
Why include inflation?
Inflation measures real purchasing power. Buffett always considers real returns, not just nominal.