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Investing & Retirement Calculators
Compound interest, savings growth, stock, crypto, dividend and retirement planning calculators. 127 free tools that run in your browser, no sign-up needed.
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EMI CalculatorMonthly EMI, total interest and month-by-month schedule, reducing or flat rate.SIP CalculatorMaturity value, invested amount and returns of a monthly SIP, with optional annual step-up.Compound Interest CalculatorSee how savings and investments grow over time.401(k) CalculatorProject your 401(k) balance with employer match and growth.Retirement CalculatorProject retirement savings and see your shortfall or surplus.Savings Goal CalculatorMonthly deposit needed to reach a savings goal by a deadline.Inflation CalculatorValue of a dollar between any two years using US CPI data.CAGR CalculatorCompound annual growth rate, or solve for a target end value.FIRE CalculatorFind your FIRE number, years to financial independence and Coast FIRE target.Simple Interest CalculatorCalculate simple interest and final amount, or solve for principal, rate or time.APY CalculatorTurn an interest rate into APY and project savings growth with monthly deposits.CD CalculatorFind a CD's maturity value, interest earned, APY vs APR and early-withdrawal penalty.ROI CalculatorWork out ROI and annualized ROI, and compare up to three investments side by side.Investment Return CalculatorProject investment growth with monthly contributions, nominal vs real after inflation.Dividend CalculatorProject dividend income with yield, dividend growth and DRIP reinvestment over time.Net Worth CalculatorList assets and debts by category to get your net worth, debt ratio, donut charts and history.Credit Card Interest CalculatorSee how long minimum payments take, the total interest and how much a fixed payment saves.EOQ CalculatorEconomic order quantity, orders per year, reorder point, safety stock and a total cost curve.Rental Yield CalculatorCalculate gross and net rental yield for a buy-to-let or rental property.Roth IRA CalculatorProject your Roth IRA balance at retirement with contribution limits, catch-up and growth.Present Value CalculatorFind what a future sum or a series of payments is worth today at a discount rate.Future Value CalculatorCalculate the future value of savings with compounding, regular payments and payment timing.NPV CalculatorCalculate net present value, PV table, profitability index and payback from cash flows.IRR CalculatorFind the internal rate of return of cash flows, with an NPV profile chart and optional MIRR.Rule of 72 CalculatorEstimate how long money takes to double with the rule of 72, 70 and 69.3 vs. the exact answer.Annuity CalculatorCalculate annuity payouts from a lump sum, or how an annuity grows with regular contributions.Savings CalculatorSee how savings grow with an initial deposit, monthly deposits and compound interest.Interest Rate CalculatorSolve a loan's interest rate (APR) from the amount, payment and term using Newton's method.Yield to Maturity CalculatorFind a bond's yield to maturity, current yield and yield to call from its price and coupon.Bond Price CalculatorPrice a bond from its coupon, yield and term, with premium or discount and a cash flow table.Stock Average CalculatorAverage cost of several stock buys, plus how many shares to buy to reach a target average.Position Size CalculatorHow many shares or units to trade so a stop-loss risks only a set share of your account.EPS CalculatorBasic and diluted earnings per share from net income, preferred dividends and share count.CAPM CalculatorExpected return from the risk-free rate, beta and market return using the CAPM formula.Effective Annual Rate CalculatorConvert a nominal rate to the effective annual rate (EAR / APY) for any compounding, or back.Dividend Reinvestment CalculatorProject a DRIP: portfolio value, shares and income with and without reinvesting dividends.College Savings CalculatorProject future college costs and see how much you need to save each month to pay for them.Retirement Withdrawal CalculatorSee how many years your retirement savings last with withdrawals, returns and inflation.Daily Interest CalculatorInterest per day and total interest for any number of days, simple or compounded daily.Reorder Point CalculatorReorder point from daily demand, lead time and safety stock, with days until the next order.Zakat CalculatorCalculate 2.5% zakat on cash, gold, silver and investments against the gold or silver nisab.Cash on Cash Return CalculatorCash-on-cash return on a rental: yearly pre-tax cash flow divided by the cash you invested.Coast FIRE CalculatorCoast FIRE number today, whether you have reached it and how long until you can coast.Continuous Compound Interest CalculatorFuture value with A = Pe^rt and a comparison with annual, monthly and daily compounding.Email Marketing ROI CalculatorOpens, clicks, orders, revenue, ROI and revenue per email from your list and rates.401k Employer Match CalculatorWork out your 401k employer match, total contribution, vesting and match left on the table.Expense Ratio CalculatorSee how much fund fees cost over time and compare up to 3 expense ratios.Fibonacci Retracement CalculatorFibonacci retracement and extension price levels from a swing high and low.Pip Value CalculatorForex pip value per lot and for any number of pips, in your account currency.HSA CalculatorEstimate HSA tax savings and project your health savings account balance over time.Lump Sum vs Payments CalculatorCompare a lump sum with periodic payments: present value, best option and break-even rate.Millionaire CalculatorSee when your savings will reach $1 million or any goal, with inflation adjustment.Opportunity Cost CalculatorCompare buying now with investing the money: see the future value you give up.Portfolio Rebalancing CalculatorBuy and sell amounts to bring each holding back to its target allocation.PPF CalculatorPPF maturity amount and interest for 15 years or with 5-year extensions, year by year.Recurring Deposit CalculatorRD maturity value and interest with quarterly compounding and a monthly breakdown.Real Rate of Return CalculatorInflation-adjusted and after-tax real return using the Fisher equation.Risk Reward Ratio CalculatorRisk, reward, R:R ratio and break-even win rate from entry, stop loss and take profit.Sharpe Ratio CalculatorSharpe and Sortino ratios from a return and volatility, or from a list of returns.Employee Stock Option CalculatorVested options, exercise cost, intrinsic value and potential gain from your grant.Stock Split CalculatorNew share count, price and cost basis after a forward or reverse stock split.SWP CalculatorSystematic withdrawal plan: yearly balance, total withdrawn and when the corpus runs out.Traditional vs Roth IRA CalculatorCompare the after-tax value of a Traditional and a Roth IRA and see which wins and by how much.Treasury Bill CalculatorT-bill price, discount rate, investment rate (bond equivalent yield) and interest earned.XIRR CalculatorAnnualized return (XIRR) for investments and withdrawals on irregular dates.Crypto ConverterConvert Bitcoin, Ethereum and top coins to USD, EUR and each other with live prices.Dividend Yield CalculatorFind a stock's dividend yield, yield on cost and the income your shares pay each year.Financial Calculator (TVM)BA II Plus-style TVM solver: find N, I/Y, PV, PMT or FV, with BGN/END and amortization.Traditional IRA CalculatorProject a traditional IRA to retirement and compare its after-tax value with a taxable account.Roth Conversion CalculatorShould you convert a traditional IRA to Roth? Compare after-tax values and find the break-even.S&P 500 Return CalculatorHistorical S&P 500 return between any two years, with dividends, inflation and CAGR.AGI CalculatorCalculate adjusted gross income from income sources and adjustments, plus MAGI for Roth and ACA.Asset Allocation CalculatorSuggested stock, bond and cash mix by age, risk tolerance and time horizon, with dollar amounts.CD Ladder CalculatorBuild a CD ladder: maturity schedule, blended yield and interest earned by year.Convertible Note & SAFE CalculatorSAFE and convertible note conversion: cap, discount and interest to shares and ownership %.Cost of Raising a Child CalculatorYearly and total cost of raising a child to 18 by category, income level and inflation.Crypto Mining CalculatorMining profit per day and month from hashrate, power, electricity cost, pool fee and difficulty.Crypto Staking CalculatorEstimate staking rewards in coins and dollars from APR or APY, compounding, validator fee and price.Dividend Income Goal CalculatorHow much to invest to earn a monthly dividend income and how many years it takes.403(b) CalculatorProject your 403(b): match, raises, returns, 50+ and 15-year catch-ups, balance at retirement.I Bond CalculatorSeries I savings bond value with fixed and inflation rates by period and early penalty.Interest Coverage Ratio CalculatorTimes interest earned (EBIT ÷ interest), EBITDA coverage, interpretation and stress test.Loss Recovery CalculatorSee the percent gain needed to recover an investment loss and how many years it may take.Net Worth Percentile CalculatorRank your US household net worth overall and by age with Federal Reserve survey data.Passive Income CalculatorCapital needed for a monthly passive income goal, or income from your portfolio.Retirement Savings by Age CalculatorCompare your retirement savings to salary benchmarks and median savings for your age.Roth IRA Contribution Limit CalculatorFind your maximum Roth IRA contribution from MAGI, filing status and age 50+ catch-up.SEP IRA Contribution CalculatorMax SEP IRA contribution for the self-employed (20% after SE tax) or employees (25% of pay).Solo 401(k) Contribution CalculatorMax solo 401(k): employee deferral, catch-up and employer profit sharing, vs a SEP IRA.Vesting Schedule CalculatorVested and unvested shares by date for options, RSUs or founder stock, with cliff and schedule.Bond Accrued Interest CalculatorBond accrued interest with 30/360 or actual day counts, plus clean and dirty price.Barista FIRE CalculatorPortfolio needed when part-time income covers part of your spending, and years to get there.Stock Beta CalculatorPaste stock and market prices or returns to get beta, correlation, R-squared and a regression chart.Bond Duration CalculatorMacaulay and modified duration, DV01, convexity and price change for a yield move.Bond Ladder CalculatorPlan a Treasury or bond ladder: maturity table, yearly cash flows and average yield.CD Early Withdrawal Penalty CalculatorPenalty for cashing a CD early, net interest and whether breaking it to reinvest pays.College ROI CalculatorIs a degree worth it? Cost and student debt vs extra earnings: payback, NPV and ROI.Cost-Benefit Analysis CalculatorCompare yearly costs and benefits: NPV, benefit-cost ratio, ROI, IRR and payback period.Covered Call CalculatorCovered call returns: if-called and static return, annualized yield, breakeven and max profit.Crypto Portfolio Profit & Loss TrackerLog crypto buys and sells to see holdings, average cost and realized and unrealized P&L.Current Yield CalculatorBond current yield from coupon and price, compared with the coupon rate and yield to maturity.Dividend Discount Model CalculatorStock intrinsic value with the Gordon growth model or a two- or three-stage dividend discount model.Dividend Payout Ratio CalculatorPayout ratio from DPS ÷ EPS or dividends ÷ net income, with retention ratio and safety bands.Forex Profit CalculatorProfit or loss of a forex trade in pips and in your account currency, after commission.457(b) CalculatorProject your 457(b) balance with contributions, catch-ups, employer money and returns.Growing Annuity CalculatorPresent and future value of payments growing at a constant rate, ordinary or due.Inherited IRA RMD CalculatorInherited IRA withdrawals under the 10-year rule or life-expectancy stretch, year by year.Line of Credit CalculatorLine of credit draws, interest-only draw-period payments and repayment-period payment.Long-Term Care Cost CalculatorFuture cost of home care, assisted living or a nursing home with inflation, and savings needed.Lump Sum vs Dollar Cost Averaging CalculatorInvest it all now or spread it over months? Simulated odds, expected values and bad-case risk.Military Retirement Pay CalculatorEstimate High-3, BRS, REDUX or reserve military retired pay, plus the BRS TSP match.Monte Carlo Retirement SimulatorSimulate thousands of market paths to see the odds your retirement savings last.Perpetuity CalculatorPresent value of a level or growing perpetuity, its payment or discount rate, with steps.Portfolio Return CalculatorWeighted return of your holdings, plus time-weighted vs money-weighted return with cash flows.Retained Earnings CalculatorEnding retained earnings from beginning balance, net income and dividends and retention ratio.Saver's Credit CalculatorRetirement savings credit: your 50/20/10% rate and credit from AGI and filing status.Savings Bond CalculatorValue of EE and I savings bonds by issue date and denomination, with interest and penalty.Terminal Value CalculatorDCF terminal value by perpetuity growth or exit multiple, with present value and sensitivity.Trading Compound Interest CalculatorCompound daily, weekly or monthly trading gains with deposits and withdrawals into a balance table.TSP CalculatorProject your Thrift Savings Plan balance with agency 1% + matching and G/F/C/S/I fund mix.Yield to Call CalculatorYield to call of a callable bond, compared with yield to maturity and yield to worst.Zero Coupon Bond CalculatorPrice, yield, face value or term of a zero coupon bond with any compounding.Is It Worth Automating? CalculatorTime saved by automating a task over years vs time to build it: payback and net hours.House Hacking CalculatorNet housing cost when tenants in a duplex to fourplex pay rent, and savings vs renting.Home Renovation ROI CalculatorRemodel cost vs value added at resale: recoup %, ROI and typical returns by project type.Required Rate of Return CalculatorAnnual return needed to reach a savings goal from current savings, contributions and years.72(t) SEPP CalculatorPenalty-free early IRA payments under 72(t): RMD, amortization and annuitization methods.
About Investing & Retirement Calculators
See how savings and investments could grow with compound interest, regular contributions, dividends and retirement accounts. Returns are never guaranteed, so try a cautious and an optimistic rate to see a realistic range rather than a single number.
Most used here: EMI Calculator, SIP Calculator and Compound Interest Calculator.