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🌍 US Equities
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🏦 Bonds & Fixed Income
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🥇 Precious Metals
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Benjamin Graham Intrinsic Value Calculator
V = [EPS × (8.5 + 2g) × 4.4] / Y
Intrinsic Value (Graham)
₹—
Enter EPS and growth rate to calculate
Valuation Status
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Enter CMP and intrinsic value to see status
📐 The Math Behind This Number
Intrinsic Value = [ EPS × (8.5 + 2g) × 4.4 ] / Y
Plug in your numbers above to see this formula calculate live.
EPS — Earnings Per Share (₹). Net profit ÷ total outstanding shares.
g — Expected growth rate (%), capped at 15% for conservatism.
8.5 — Graham's base P/E for a zero-growth company.
4.4 — Historical AAA corporate bond yield when Graham wrote this formula.
Y — Current 10-year government bond yield (%), the today-adjusted risk-free rate.
Watchlist 0
| Ticker | CMP (₹) | EPS (₹) | Growth | Bond Yield | Intrinsic Value | Status | D/E | Notes | |
|---|---|---|---|---|---|---|---|---|---|
| No stocks in watchlist. Run a valuation above and save it. | |||||||||
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| Name | Bucket | Category | Current Value (₹) | Invested (₹) | Return | Remarks | |
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| No assets yet. Add your first entry below. | |||||||
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Capital Breakdown
🪤 Debt Trap & Rat Race Calculator
Standard loan amortisation + opportunity cost engine
⚠️ Wake-Up Call: Credit cards charge 18–42% annual interest. Personal loans 12–24%. Enter your debt below to see exactly how much of your life you're trading for it — and what it would be worth if you invested instead.
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Enter your debt details above
See exactly how much the debt trap is costing you and what you could have built instead.
SIP (Systematic Investment Plan) Calculator
Long-Term Compounding Calculator — Future Wealth Mapping
📐 The Math Behind This Number
FV = P × (1+r)ⁿ + SIP × [((1+r)ⁿ − 1) / r] × (1+r)
Plug in your numbers above to see this formula calculate live.
P — Initial investment (₹)
SIP — Monthly contribution (₹)
r — Monthly rate = Annual CAGR ÷ 12 ÷ 100
n — Number of months (years × 12)
FV — Future value (₹)
Financial Profile
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CSV Import Guide
Required columns:
Bucket values:
name, bucket, category, currentvalue, investedvalueBucket values:
in_equity, us_equity, bond, precious
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The Fundamental Analysis Knowledge Hub
Four core ratios every long-term investor must master. Learn the formula, learn the lesson, then apply it in the FA Valuation tab.
Price-to-Earnings (P/E) Ratio
P/E = Market Price per Share / EPS
Measures what the market pays for every ₹1 of earnings. A high P/E could mean overvaluation or high growth expectations; a low P/E might signal a bargain.
Debt-to-Equity (D/E) Ratio
D/E = Total Liabilities / Shareholders' Equity
Checks financial leverage. Graham preferred companies keeping D/E below 0.5 to avoid heavy debt stress.
Dividend Yield
Yield = (Annual Dividend / Market Price) × 100
Shows the cash return on your investment from profits. Vital for building a passive cash-flow bucket without selling shares.
Price-to-Book (P/B) Ratio
P/B = Market Price / Book Value per Share
Compares market value to actual net asset value. Especially useful for banking and capital-intensive firms.
Putting It Together
No single ratio tells the whole story. A low P/E paired with a high D/E might be a value trap. A high Dividend Yield with a falling P/B can signal a company in decline. Use all four as a screening checklist, then dig into the company's annual report and cash flows. Head over to the FA Valuation tab to apply the Benjamin Graham Intrinsic Value formula.
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Graham Formula, INR-first, Indian bond yield defaults.
Why PLUTOTRAK?
Graham Valuation
Benjamin Graham's intrinsic value formula calibrated for Indian market yields.
Debt Trap Calculator
See the exact opportunity cost of bad debt vs investing the same EMI.
4-Bucket Framework
Indian Equities, US Equities, Bonds, and Precious Metals allocation.
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Goal Planning
Inflation-adjusted goal calculator to track your financial milestones.
Portfolio Summary
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Danger Zone
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ℹ️ How Data Works
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📋 Disclaimer: PLUTOTRAK is not SEBI registered. This is a personal finance tracking and educational tool only. The Benjamin Graham valuation formula is for educational purposes and does not constitute financial, investment, or advisory advice. Consult a SEBI-registered advisor before making investment decisions.
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