// GUIDES
The math behind the calculators.
Short, focused explanations of the formulas you see across Qontify — and when each one is the right tool.
// ALL GUIDES
// GUIDE
What is CAGR?
How annualized growth is defined and why it matters.
// GUIDE
Absolute Return vs CAGR
The difference between total and annualized returns.
// GUIDE
How Compounding Works
The mechanics of interest on interest.
// GUIDE
Rule of 72 Explained
A shortcut for doubling time at a glance.
// GUIDE
How Long Does It Take to Double Money?
Exact and approximate ways to estimate doubling.
// GUIDE
Nominal Return vs Real Return
Why inflation changes what a return means.
// GUIDE
How Inflation Reduces Purchasing Power
What a rupee or dollar buys over time.
// GUIDE
SIP vs Lumpsum Investing
Two ways to deploy money and the math behind each.
// GUIDE
What is IRR?
The internal rate of return, in plain language.
// GUIDE
What is NPV?
Net present value and how to read it.