Money Basics · Beginner
Financial maths for advisers
Time value, CAGR, XIRR, SIP maths, inflation and costs: the numbers behind every client conversation.
What is inside
10 short lessons. Each ends with a quiz, so you know what you have learnt.
Growth and returns
- Time value of money: why ₹1 today beats ₹1 later
- Simple and compound growth, and the Rule of 72
- CAGR: one number for growth over years
- XIRR: returns when money goes in at different dates
- SIP maths: how monthly investing builds a corpus
Goals, risk and costs
- Inflation and real returns
- Goal maths: how much to invest each month
- Risk numbers: volatility, drawdown and what they mean
- The cost of costs: how expense ratios compound
- Lumpsum or SIP, and the calculation mistakes to avoid
Key ideas you will take away
- FV = PV × (1+r)^n.
- Compare amounts on the same date.
- Rule of 72 = 72 ÷ rate.
- Compounding favours time.
- CAGR = (End/Start)^(1/n) − 1.
- Absolute return hides time.
Try a question
Q1. ₹1,00,000 grows at 10% a year for 2 years. What is the future value?
- ₹1,21,000
- ₹1,20,000
- ₹1,10,000
- ₹1,31,000
Show the answer
A. 1,00,000 × 1.1 × 1.1 = ₹1,21,000. Interest earns interest, so it is more than the ₹1,20,000 simple-interest answer.
Q2. Using the Rule of 72, about how long does money take to double at 9% a year?
- 8 years
- 4 years
- 12 years
- 18 years
Show the answer
A. 72 ÷ 9 = 8 years.
Frequently asked questions
Is the Financial maths for advisers course free?
Yes. Lessons, quizzes and practice are free. Sign in once with your mobile number or Google to start.
Who is the Financial maths for advisers course for?
It is a beginner-level course with 10 short lessons, written in plain language for beginners and for people who advise others on money.
Can I learn this in Hindi or Gujarati?
The app screens switch between English, Hindi and Gujarati at any time, and many quiz questions have translations. Lesson text is in English for now.
Do I get a certificate?
Yes. Pass the course exams to earn a certificate that anyone can verify online.
Is this investment advice?
No. It is education only. Speak to a qualified adviser before you act on your own money.
Related courses
UpperCrust Academy is independent study material from UpperCrust Wealth. It is not affiliated with NISM, SEBI or AMFI. For education only. Not investment advice. Always confirm the latest syllabus and rules on the official NISM website.