Financial Command Center
Plan, Stress-Test & Optimise
Your Entire Financial Life
Professional-grade calculators for investments, retirement, risk, loans and tax — built on transparent assumptions and live market signals.
Calculators
15+
Professional-grade tools
Asset Signals
7
Updated every hour
Fear & Greed
N/A
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Data Feed
Live
NSE · NYSE · CoinGecko
Gold / PAXG
HOLD$4,616.52
USD Price
₹4.38 L
INR Price
+0.33%
24h Change
-0.67%
30d Change
17.8% below
vs ATH
Signal Rationale
›Gold 17.8% below ATH — fair-value zone
›Hold existing; accumulate gradually on dips
Pro Tip: SGB offers 2.5% annual interest on top of gold returns — best option for Indian investors.
Data source: CoinGecko (PAXG proxy) · Educational only — not investment advice. Past performance is not indicative of future results.
Silver (SI=F futures)
HOLD$76.43 (+3.94% today)
Silver (USD/oz)
$78.23 (below)
50-Day MA
17.5% below
vs 3-Month High
60.8
Gold/Silver Ratio
Yahoo Finance SI=F (silver futures)
Source
Signal Rationale
›Silver 17.5% below recent high — gradual accumulation zone
›Silver is 2–3× more volatile than gold — keep position sizing smaller
›Gold/Silver Ratio = 60.8 — within normal historical range (50–80)
›Below 50-day MA — wait for stabilization or buy in tranches
›For India: Nippon India Silver ETF or ICICI Prudential Silver ETF on NSE
Pro Tip: No SGB for silver — use Silver ETFs on NSE for tax-efficient paper exposure.
Data source: Yahoo Finance (SI=F silver futures) · Educational only — not investment advice. Past performance is not indicative of future results.
Crypto · BTC / ETH / DeFi
HOLD$78,683.00 (+0.32% 24h)
Bitcoin (BTC)
$2,327.56 (+0.82% 24h)
Ethereum (ETH)
$78,492.00 (+0.29% 24h)
Wrapped BTC (DeFi)
$2,326.47 (+0.90% 24h)
Staked ETH (stETH)
$1576B
BTC Market Cap
47/100 — Neutral
Fear & Greed
Fear & Greed — 8-day trend
Signal Rationale
›Fear & Greed = 47/100 (Neutral) — neutral zone. Continue DCA.
›Only invest what you can afford to lose — crypto is highly volatile
Pro Tip: Never put more than 5–10% of portfolio in crypto. It's speculation, not investment.
Data source: CoinGecko + alternative.me · Educational only — not investment advice. Past performance is not indicative of future results.
Indian Equities · Nifty 50
HOLD23,998 (-0.74% today)
Nifty 50
23,879 (above)
20-Day MA
24,138 (below)
50-Day MA
25,101 (below)
200-Day MA
50.3 (Neutral)
RSI (14)
72.4 (signal 39.2)
MACD
18.5 (High)
India VIX
Signal Rationale
›Mixed MA signals — wait for clear breakout above 50-day MA
›India VIX = 18.5 (elevated) — widen entry zones, use tranches not lump-sum
Pro Tip: Time in market beats timing the market. 5+ year horizon? Any dip is a buying opportunity.
Data source: Yahoo Finance via yfinance · Educational only — not investment advice. Past performance is not indicative of future results.
US Markets · S&P 500
HOLD7,230 (+0.29% today)
S&P 500
25,114
NASDAQ
6,822 (above)
S&P 50-Day MA
6,728 (above)
S&P 200-Day MA
71.2
RSI (14)
127.9 (signal 112.9)
MACD
47/100 — Neutral
Fear & Greed
17.0 (Normal)
CBOE VIX
Signal Rationale
›S&P 500 above 50-day MA (6,822) — uptrend intact
›Continue regular DCA. Don't time the market.
›For INR investors: Factor in USD/INR currency risk. Aim for 20–30% global allocation.
Pro Tip: For US-based investors: S&P 500 index funds (VOO, FXAIX) are the gold standard for long-term wealth.
Data source: Yahoo Finance + alternative.me Fear & Greed · Educational only — not investment advice. Past performance is not indicative of future results.
Real Estate
BUY6.25% (CUTTING)
RBI Repo Rate
~8.5%
Avg Home Loan
7–10 years min
Ideal Hold
~3.0% (metro avg)
Gross Rental Yield
~1.85% (after 12% maintenance + Sec 24)
Net Taxable Yield
~2.82%
Post-Tax Yield (10% slab)
~2.45%
Post-Tax Yield (30% slab)
5–12%/yr (city-dependent)
Appreciation
Signal Rationale
›RBI in rate-cutting cycle (repo 6.25%) — home loan EMIs falling
›Property demand typically rises 12–18 months after cuts begin
›Lock in a home loan now before banks pass on the full rate cuts
›Only buy if you plan to hold 7–10+ years
›REIT alternative: Mindspace/Brookfield (7–8% yield + liquidity)
Pro Tip: Location beats timing in real estate. Buy right, not just cheap.
Data source: RBI rate cycle analysis. Repo rate: 6.25% · Educational only — not investment advice. Past performance is not indicative of future results.
Fixed Deposits
BUY~7.0–7.5% p.a.
Big Bank FD
~8.5–9.0%
Small Finance Bank
~7.35% (govt-backed)
RBI Savings Bond
~7–8% (taxed at slab rate — indexation removed)
Debt MF (post Apr 2023)
6.25% (cutting)
Repo Rate
~3.5% (FD rate − 5% inflation)
Real Rate of Return
~7.65% on SFB FD
Post-Tax Yield (10%)
~6.80% on SFB FD
Post-Tax Yield (20%)
~5.95% on SFB FD
Post-Tax Yield (30%)
Signal Rationale
›RBI cutting rates → FD rates WILL fall in 6–12 months. Lock in NOW.
›Consider 3–5 year FDs before banks reduce rates
›Small Finance Banks: AU, ESAF, Jana — 8.5–9.0% (DICGC insured ₹5L)
›Avoid short-term FDs — renewals will be at lower rates
›FD income is taxable at slab rate — compare with debt MFs for post-tax returns
Pro Tip: FDs are taxable — for high earners, tax-free bonds or PPF may give better post-tax returns. Note: Debt MFs purchased after April 1, 2023 are taxed at slab rates (indexation benefit removed), making them similar to FDs for tax purposes.
Data source: Public bank disclosures + RBI policy · Educational only — not investment advice. Past performance is not indicative of future results.