Institutional-grade bond math, for Indian investors
Free calculators and plain-English guides for G-secs, T-bills, corporate bonds and the rest of Indian fixed income. Built by an ex-BlackRock fixed income analyst, with nothing to sell you.
Open the calculators Read the tax guide
Calculators
All tools →Bond Yield (YTM) Calculator
Price ↔ yield with proper Indian day counts, clean/dirty price, duration and full cashflows.
Post-taxFD vs Bond Comparison
An FD against a listed bond on post-tax returns, under FY 2026-27 rules. Often changes the answer.
Reality checkFD Real Return Calculator
What your FD earns after tax and inflation, at your income slab.
SovereignT-Bill Calculator
Auction price to annualised yield, maturity value and post-tax return at your slab.
8.05% p.a.RBI Floating Rate Bond
FRSB payouts and post-tax yield at the current Jul–Dec 2026 rate.
RiskDuration & Convexity
Macaulay, modified, PVBP and exact repriced P&L for standard yield shocks.
StrategyBond Ladder Builder
Design a maturity ladder with rung-by-rung allocations and CSV export.
Live referenceIndia Yields Dashboard
Repo, 10-year G-sec, T-bill cut-offs, NSC and FRSB, each with its source and date.
TrackerNCD Public Issue Tracker
Which bond IPOs are open or coming up, with dates, ratings and coupon ranges.
Why independent matters
Most bond calculators in India belong to companies that sell bonds. That doesn't make them dishonest, but it shapes them: the yields they show can include the seller's margin, and the education tends to point wherever the commission is. BondLab has nothing to sell. The calculators use the same conventions institutional desks use (30/360 and Actual/Actual day counts, street-convention YTM, post-tax XIRR), and they're free. If a platform quotes you a yield, you can check it here in about a minute.
A 48-second tour
Latest guides
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