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30 guidesIndia Equity Ops — What If I Invested, Shares & Returns
Hub for Tools.Town equity calculators: stock investment return (shares + P/L), CAGR, dividend yield, capital gains, and F&O lot size — educational only, no live quotes.
25 Aug 2026
5 min read
Stock Investment Return Calculator Guide — Shares, P/L & CAGR
How to estimate shares from a rupee amount, current market value, unrealized P/L, and optional CAGR — and how this differs from a plain CAGR calculator.
25 Aug 2026
5 min read
Price Return vs Total Return, Explained
Why stock P/L from price alone can understate what you earned when dividends are paid — and how Tools.Town separates the two.
25 Aug 2026
5 min read
Stock Split vs Bonus Shares, Explained
How stock splits and bonus issues change share count and cost per share — and why your total invested amount usually stays the same.
25 Aug 2026
5 min read
Margin vs Markup: The Difference That Changes Your Price
Margin divides profit by price; markup divides profit by cost. Same profit, different percentages — and mixing them up underprices your product. Formulas, a conversion table, and worked examples.
16 Aug 2026
5 min read
US Money Ops — Sales Tax, Pay, Pricing & Doubling Tools
Hub for Tools.Town everyday US money math: add or extract sales tax, convert hourly and salary pay, price products with margin or markup, and estimate doubling time — free, in-browser.
16 Aug 2026
5 min read
Bonds vs Fixed Deposits, Explained
How corporate bonds and NCDs differ from bank FDs on return, risk, liquidity, and taxation — plus a free rate-comparison calculator.
16 Aug 2026
5 min read
India Bond Ops — YTM, Price, Duration & Bonds vs FD
Hub for Tools.Town bond calculators: YTM, fair price, duration, accrued interest, and bond vs FD — educational estimates for corporate bonds and NCDs.
16 Aug 2026
5 min read
YTM vs Current Yield, Explained
How yield to maturity differs from current yield on a corporate bond or NCD — and which number to use when comparing listed prices.
16 Aug 2026
5 min read
CAGR vs Absolute Return: Which Investment Metric Actually Matters?
Understand the difference between CAGR and absolute return, when to use each, how mutual funds quote returns, what XIRR is, and why relying only on absolute return can mislead you.
25 Jun 2026
7 min read
How Much Should You Save Each Month for Retirement?
The power of starting early — how ₹5,000/month at 25 beats ₹20,000/month at 40, asset allocation by age, NPS vs mutual funds, and a practical monthly savings checklist.
25 Jun 2026
5 min read
Hidden Costs of Buying a Home in India: What No One Tells You
Beyond the home price and EMI: stamp duty, registration fees, GST on under-construction property, brokerage, maintenance deposits, society charges, and other hidden costs Indian homebuyers must know.
25 Jun 2026
5 min read
How to Benchmark Your Investment Returns Against the Market
Learn what benchmarking investment returns means, which Indian and US indexes to compare against, how to calculate alpha, survivorship bias in mutual fund data, and how often to review performance.
25 Jun 2026
9 min read
Income Tax in India — How Tax Brackets & Effective Rate Work
Understand progressive tax brackets, marginal vs effective tax rate, deductions under Section 80C, and how to calculate your India FY 2025-26 income tax liability.
25 Jun 2026
6 min read
Renting vs Buying a Home in India: The Complete Financial Guide
A full financial analysis of renting vs buying in India — break-even analysis, opportunity cost of down payment, EMI vs rent over time, appreciation assumptions, tax benefits, and when each option wins.
25 Jun 2026
5 min read
Retirement Planning in India: How Much Is Enough?
The complete guide to retirement planning in India — calculating your corpus, SWP strategy, EPF/NPS/mutual fund mix, 4% rule in Indian context, and how to avoid running out of money.
25 Jun 2026
5 min read
The Rule of 72: How to Estimate When Your Money Will Double
A complete guide to the Rule of 72 — the formula, where the number 72 comes from mathematically, real examples with PPF, equity, FDs, and inflation, how to use it in reverse, and its limitations.
25 Jun 2026
8 min read
Salary Calculator Guide — CTC, Take-Home Pay & Tax Deductions
Understand the difference between CTC and take-home salary, how EPF, professional tax, TDS, and HRA reduce your net pay, and how to use the Salary Calculator.
25 Jun 2026
5 min read
CAGR Explained: Formula, Examples, and How to Compare Investment Returns
A complete guide to Compound Annual Growth Rate — the formula, worked examples, the Rule of 72, common pitfalls, and how to use CAGR to compare stocks, mutual funds, and real estate.
25 Jun 2026
5 min read
Inflation Explained: How Rising Prices Erode Your Money
Understand how inflation compounds, the difference between nominal and real value, what the future cost and purchasing power numbers mean, and how to plan around them.
24 Jun 2026
5 min read
Loan Eligibility Explained: FOIR, EMI and Tenure
How lenders decide your loan eligibility — the FOIR method, how affordable EMI becomes a loan amount, and the levers that raise or lower how much you can borrow.
24 Jun 2026
5 min read
Net Worth Explained: How to Measure Financial Progress
Learn what net worth is, what counts as an asset or liability, how to read the debt-to-asset ratio, what a healthy number looks like, and how to grow it over time.
24 Jun 2026
5 min read
Mutual Fund Returns: SIP vs Lumpsum, CAGR Explained
Understand how mutual-fund returns are projected, the difference between SIP and lumpsum, what absolute return and CAGR mean, and how to set realistic expectations.
24 Jun 2026
5 min read
Dividend Yield Explained: Formula, Payout Ratio & Pitfalls
What dividend yield really tells you, how to calculate it, how the payout ratio reveals sustainability, and the traps — yield traps, special dividends, and price moves — that catch new income investors.
23 Jun 2026
5 min read
How Big Should Your Emergency Fund Be?
A practical guide to emergency funds — why they matter, how to size one to your real expenses, the 3/6/12-month rules of thumb, where to keep the money, and how to build it without stalling other goals.
23 Jun 2026
5 min read
Invoice Generator Pro — Complete Guide to Cloud Invoicing
Learn how Invoice Generator Pro helps freelancers and small teams save invoices, track status, manage clients, and export reports.
22 Jun 2026
5 min read
GST Invoice Format in India — Mandatory Fields Explained
A clear breakdown of the GST tax invoice format: every mandatory field, when to charge CGST+SGST vs IGST, and how to stay compliant. Free guide + free invoice tool.
19 Jun 2026
5 min read
How to Create a Professional Invoice — Step-by-Step Guide
Learn exactly what to put on an invoice, how to structure it, and how to make a clean, GST-ready invoice in minutes using Tools.Town's free Invoice Generator.
19 Jun 2026
5 min read
Invoice Numbering Best Practices — Sequence, Format & Rules
How to number invoices correctly: sequential rules, smart formats with prefixes and dates, what to avoid, and how GST compliance affects your numbering.
19 Jun 2026
5 min read
How to Use Gratuity Calculator — Complete Guide
Learn how to calculate your gratuity entitlement under the Payment of Gratuity Act using Tools.Town's free Gratuity Calculator.
8 May 2026
5 min read
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