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Gratuity is a lump-sum thank-you from your employer for long service — but only if you clear the 5-year mark. Here is the exact formula and a worked payout example.
CAGR — Compound Annual Growth Rate — is the most honest way to measure how an investment has grown over time. It smooths out volatile year-to-year swings into a single, comparable annual rate. This guide explains the formula, shows real examples, and explains why CAGR can also be misleading.
Both earn interest on a principal — but compound interest earns interest on the interest too. After 20 years, the difference is staggering. Here is the side-by-side math.
Compound interest is the single most powerful force in personal finance. Understand the formula, see how small differences in rate and time create massive differences in outcome, and learn how to use it to your advantage.