Plain-English definitions of key financial, business, fitness, and calculator terms. 20 terms and growing.
The process of spreading a loan into a series of fixed payments over time. Each payment covers both interest and principal, with early payments being mostly interest and later payments being mostly principal.
In the context of AI tools like OpenAI's GPT or Anthropic's Claude, a token is a unit of text (roughly 4 characters or 0.75 words in English). API pricing is based on input and output tokens processed.
🧮 Try the OpenAI Cost Calculator →A simple measure of body fat based on height and weight. BMI = weight (kg) / height² (m²). Categories: Underweight (<18.5), Normal (18.5-24.9), Overweight (25-29.9), Obese (≥30). Note: BMI doesn't distinguish between muscle and fat mass.
🧮 Try the BMI Calculator →The point at which total revenue equals total costs, resulting in neither profit nor loss. Understanding break-even helps businesses determine the minimum sales volume needed to cover all expenses.
🧮 Try the Break-Even Calculator →The total cost of acquiring a new customer, including marketing, sales, and onboarding expenses. CAC = Total Acquisition Spend / Number of New Customers. A healthy business aims for CAC to be significantly lower than LTV.
The rate of return that an investment would need to grow from its beginning balance to its ending balance, assuming profits were reinvested at the end of each year. CAGR smooths out annual volatility to show a consistent growth rate.
🧮 Try the CAGR Calculator →Interest calculated on both the initial principal and the accumulated interest from previous periods. This 'interest on interest' effect causes wealth to grow exponentially over time, making it the foundation of long-term investing.
🧮 Try the Compound Interest Calculator →The cost an advertiser pays per 1,000 impressions of an ad. In the context of YouTube and content creation, CPM determines how much revenue a creator earns per thousand ad views. Typical YouTube CPMs in India range from ₹15 to ₹150.
🧮 Try the YouTube Money Calculator →A fixed monthly payment made by a borrower to a lender on a specified date. EMI consists of both principal and interest components. The amount remains constant throughout the loan tenure.
🧮 Try the EMI Calculator →A financial instrument offered by banks where you deposit a lump sum for a fixed tenure at a predetermined interest rate. FDs offer guaranteed returns but typically lower than market-linked investments like SIPs.
🧮 Try the FD Calculator →A financial movement focused on extreme savings and investment to allow retirement far earlier than traditional budgets and retirement plans permit. The FIRE number is typically 25× your annual expenses.
🧮 Try the Retirement Calculator →A component of salary provided to employees to meet rental expenses. HRA exemption is calculated as the minimum of: actual HRA received, rent paid minus 10% of basic salary, or 50%/40% of basic salary (metro/non-metro).
The total revenue a business can expect from a single customer throughout their relationship. LTV helps determine how much to spend on customer acquisition. A healthy LTV:CAC ratio is typically 3:1 or higher.
A long-term savings scheme by the Indian government offering tax benefits under Section 80C. PPF has a 15-year lock-in period, with current interest rate around 7.1% p.a. (compounded annually). Both the investment and returns are tax-free.
🧮 Try the PPF Calculator →The percentage of revenue that remains after deducting costs. Gross margin = (Revenue - COGS) / Revenue × 100. Net margin = Net Profit / Revenue × 100. Higher margins indicate better profitability.
🧮 Try the Profit Margin Calculator →A performance measure used to evaluate the efficiency or profitability of an investment. ROI is calculated as (Net Profit / Cost of Investment) × 100 and is expressed as a percentage.
🧮 Try the ROI Calculator →The actual revenue earned per 1,000 views after YouTube's 45% cut. RPM is typically lower than CPM because not all views generate ads. RPM = (Estimated Earnings / Total Views) × 1,000.
A provision of the Indian Income Tax Act that allows deductions up to ₹1,50,000 per year from taxable income. Eligible investments include PPF, ELSS, life insurance premiums, home loan principal, NSC, and tax-saving FDs.
A method of investing a fixed amount regularly in mutual funds. SIP allows you to invest in a disciplined manner, taking advantage of rupee cost averaging and the power of compounding over time.
🧮 Try the SIP Calculator →The total number of calories your body burns in a day, including BMR (Basal Metabolic Rate) plus calories burned through physical activity and digestion. TDEE is essential for weight management — eat below TDEE to lose weight, above to gain.
🧮 Try the TDEE Calculator →Financial literacy starts with understanding the language of money. Whether you are calculating your SIP returns, estimating YouTube ad revenue, or planning for early retirement, knowing what terms like CAGR, CPM, FIRE, and TDEE mean empowers you to make better decisions.
This glossary is designed to be a quick reference companion to our complete collection of calculators. Every definition is written in plain English with practical examples, and many terms link directly to the relevant calculator so you can immediately put your knowledge into action.
We continuously expand this glossary as we add new calculators and cover more topics. If you think a term is missing, feel free to suggest it through our contact page.