EZBond toolsTools
Bond calculators, without the black box
Built for Indian debt: yields, prices, accrued interest, post-tax NCD returns and a clear FD comparison. See the assumptions, then make the number your own.
Bond Yield Calculator (YTM)
Work out yield to maturity and current yield from the price you pay.
Bond Price Calculator
Price a bond from its yield, and see what you actually pay on settlement.
Accrued Interest Calculator
See how much interest is added to your settlement amount between coupon dates.
NCD Returns Calculator
Total income, maturity value, and what survives tax at your slab rate.
FD vs Bond Calculator
Same money, same tenure, same tax slab, compared honestly.
Why these five
Generic SIP and EMI calculators are everywhere, and not one of them helps you judge a bond. The questions that come up when you are looking at an NCD are narrower. What return am I really getting at this price? What will I pay on settlement day? How much of the next coupon belongs to the seller? What is left after tax? Is any of this better than a plain fixed deposit?
Each calculator answers one of those questions. None of them price credit risk, which is what decides whether a high yield is an opportunity or a warning. For that you read the rating next to the number, and bond credit ratings explained is where to start.
Every result carries the same disclaimer for a reason. These are estimates for comparison. Your actual outcome depends on the price you pay, accrued interest, reinvestment, fees, tax, and the issuer paying in full.