RubanTools

Free Investment & Trading Tools

21 curated tools for traders and investors - SIP, FD, PPF, NPS, capital gains, CAGR, gold rate, inflation and retirement calculators. All free.

SIP Calculator

Calculate SIP returns with step-up option and goal planner - find the monthly SIP needed for any financial target.

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Lumpsum Calculator

Compute the future value of a one-time investment with inflation-adjusted real value and rate comparison.

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Step-Up SIP Calculator

SIP calculator with annual increment - model how increasing your SIP by 10% each year grows your wealth vs a flat SIP over the same period.

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SWP Calculator

Systematic Withdrawal Plan - enter corpus, monthly withdrawal and return rate to see how long your investment lasts and the optimal withdrawal amount.

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FD Calculator

Fixed Deposit maturity calculator with monthly, quarterly, half-yearly or annual compounding and EAY comparison.

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RD Calculator

Calculate Recurring Deposit maturity with quarterly compounding and senior citizen bonus - for bank and post office RDs.

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PPF Calculator

Public Provident Fund maturity with year-by-year balance, partial withdrawal and loan eligibility at 7.1% rate.

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NPS Calculator

National Pension System corpus, lump-sum and monthly pension estimate with annuity purchase options.

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NSC Calculator

National Savings Certificate maturity value at 7.7% with year-by-year interest accrual and Section 80C tax-deductible breakdown.

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SSY Calculator

Sukanya Samriddhi Yojana maturity corpus at 8.2% - enter annual deposit and daughter's age for full year-by-year table up to maturity at age 21.

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KVP Calculator

Kisan Vikas Patra doubling period and maturity value at the current 7.5% rate - with year-by-year growth table.

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ULIP Calculator

Calculate ULIP fund value after charges and compare it with Buy Term + Invest in MF to see which builds more wealth over 10–30 years.

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Mutual Fund Calculator

Model SIP + lumpsum mutual fund returns across equity, debt and hybrid categories with CAGR comparison table.

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Capital Gains Calculator

LTCG and STCG tax on equity, debt, gold and property with indexation benefit - FY 2024-25 Budget-updated rates.

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CAGR Calculator

Calculate Compound Annual Growth Rate from any start/end value or find future value or years needed at a target CAGR.

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Compound Interest Calculator

A = P(1+r/n)^nt - compute compound interest with any compounding frequency and optional monthly deposits.

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Inflation Calculator

See how inflation erodes purchasing power over time - future cost of today's money and year-by-year impact.

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Retirement Calculator

Find the corpus and monthly SIP needed to retire comfortably - accounting for inflation and existing savings.

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Gold Rate Today

Live international gold spot price converted to INR per gram. 24K, 22K, 18K and 14K with making + GST cost calculator.

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Silver Rate Today

Live silver spot price in INR per gram and per kg. 999 fine, 925 sterling and 900 coin purities with cost calculator.

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Currency Converter

Convert any of 160+ currencies using mid-market exchange rates refreshed daily. INR, USD, EUR, GBP, AED, SGD and more.

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Other Professional Kits

For Accountants

GST calculator, invoice generator, TDS, income tax, salary and compliance tools for Indian accountants.

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For Developers

JSON, Base64, hash, UUID, regex, diff, image tools, SEO generators and more for web developers.

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For Doctors & Healthcare

BMI, BMR, calorie, body fat, pregnancy, ovulation and other clinical calculators for healthcare professionals.

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For Real Estate

Area converters, stamp duty, home loan EMI, Vastu compliance and land-unit converters for property professionals.

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For Astrologers

Numerology charts, compatibility, gemstone finder, Vastu and festival date tools for practising astrologers.

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For Designers & UI Developers

Color picker, gradient generator, border-radius, box-shadow, SVG blob, glassmorphism, CSS grid, font pairing, image tools and more for designers.

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For Students

Study timer, timetable, GPA planner, attendance, rank predictor, MCQ generator, notes formatter and more for students.

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For Teachers & Trainers

MCQ generator, question paper builder, grade calculator, marksheet, attendance sheet, lesson planner, rubric and timetable tools for educators.

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For Content Creators

Hashtag generator, caption generator, YouTube title, script timer, word counter, readability checker, image tools and more for influencers and YouTubers.

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For Small Business Owners

Inventory calculator, expense tracker, budget planner, UPI QR, invoice generator, GST calculator, payroll and profit margin tools for shop owners and SMEs.

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For Event Planners

Budget planner, countdown timer, currency converter, city distance, QR code, invoice, date calculator and image tools for event planners.

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For Travel Agents

Currency converter, world clock, city distance, dial codes, unit converters, age calculator, gold rate and QR generator for travel agents.

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For Lawyers & Legal Professionals

Limitation period calculator, court fee estimator, legal notice generator, NDA, privacy policy, GSTIN/PAN validator and financial tools for Indian lawyers.

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For Civil & Electrical Engineers

Ohm's Law, electrical load and MCB sizing, concrete mix design, beam deflection, wire gauge, unit converters and financial tools for civil and electrical engineers.

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Trader Tools FAQ

Use our SIP Calculator - enter the monthly investment, expected annual return rate and duration. It uses the future value of annuity formula and shows total invested, estimated returns and maturity value.

CAGR = [(Ending Value / Beginning Value)^(1/Years)] – 1. For example, ₹1 lakh growing to ₹1.8 lakh in 3 years gives CAGR of 21.6%. Use our CAGR Calculator to compare investments instantly.

For equity held over 12 months, LTCG above ₹1 lakh is taxed at 10%. For debt funds held over 36 months, LTCG is taxed at 20% with indexation. Use our Capital Gains Calculator to compute the taxable gain and estimated tax.