Investing Calculators

100 Minus Age Asset Allocation Calculator

Calculate stock-vs-bond allocation using the 100-minus-age rule of thumb — see the suggested percentage split for any age you put in.

Active vs Passive Investing Calculator

Compare active and passive investment strategies accounting for fees across long horizons — the wealth gap from a percentage point of fee drag.

Annuity Present Value Calculator

Calculate the present value of an ordinary annuity from regular payments, periodic rate, and the number of periods until the stream ends.

APR to APY Calculator

Convert APR to APY for any compounding frequency to see the true effective annual yield — what you actually earn (or pay) on a given quoted rate.

Art Investment Calculator

Calculate art investment net returns including insurance and carrying costs, given purchase price, current value, and length of holding period.

Asset Allocation Calculator

Calculate suggested portfolio asset allocation by age and risk tolerance (stocks/bonds/cash). Enter risk tolerance 1-10 to see suggested stock and bond.

Asset Allocation Drift Calculator

Calculate drift between current and target asset allocation to decide if rebalancing is needed. Enter equity to see drift percentage and rebalance flag.

Asset Allocation Return Calculator

Calculate weighted average return of a portfolio across equity, bond, and cash allocations. Enter equity return to see weighted portfolio return.

Asset Growth Projection Calculator

Project the future value of any asset compounding at a steady annual rate. Enter current value, growth rate, and years. Free and educational.

Barista Effect Simulator

Simulate the 30-year opportunity cost of a daily spending habit. See what investing that amount could grow to over time.

How to Become a Millionaire Calculator

How to become a millionaire calculator. See exactly how much to save each month to reach 1 million at your expected return and time horizon.

Bitcoin Calculator

Project Bitcoin or crypto investment growth at an assumed annualised return — see the gain, return multiple, and how the horizon shifts the outcome.

Bond Duration Calculator

Calculate bond Macaulay and Modified duration to gauge price sensitivity to interest rate changes — the bond investor's risk metric.

Bond Ladder Average Yield Calculator

Calculate the weighted average yield of a bond ladder across multiple maturities, given the amount and yield in each rung.

Bond Ladder Income Calculator

Calculate annual income from a bond ladder calculator using 5 rungs with custom face values, yields, and maturities to find blended yield.

Bond Price Calculator

Calculate bond price as the present value of its coupon stream plus face value, given face value, coupon rate, market yield, and years to maturity.

Bond Yield Calculator

Calculate current yield on a bond from its annual coupon, market price, and face value — the simplest yield measure investors quote.

Bond Yield vs Inflation Calculator

Calculate real bond yield by adjusting nominal yield for inflation. Enter nominal bond yield to see real yield: nominal bond yield adjusted for inflation.

CAGR Calculator

Calculate compound annual growth rate (CAGR) between any two values over a chosen period — the smoothed yearly rate behind the start-to-end change.

Calmar Ratio Calculator

Calculate the Calmar ratio — annualised return divided by maximum drawdown — to measure return earned per unit of worst-case loss endured.

Cash vs Finance Calculator

Compare paying cash vs financing a purchase. Calculate net advantage, break-even rate, and whether investing the cash outperforms loan interest.

Classic Car Investment Calculator

Calculate classic car investment IRR after storage and maintenance costs, given purchase price, current value, holding period, and ongoing expenses.

Collectibles Return Calculator

Calculate collectibles net returns after transaction costs — what stamps, coins, watches, or art actually return once auction fees come out.

Compound Interest Calculator

Free compound interest calculator with deposits, escalation, after-tax and inflation-adjusted projections, time-to-double, and a sortable monthly or yearly breakdown.

Compound vs Simple Interest Calculator

Compare compound interest against simple interest on the same principal, rate, and term. Enter years to see future values under compound vs simple interest.

Compounding Frequency Calculator

Compare how annual, monthly, and daily compounding produce different final values at the same nominal rate over the same time horizon.

Constructive Sale Calculator

Calculate constructive sale tax trigger from position value, cost basis, and the percentage of the position locked in by an offsetting hedge.

Convertible Bond Calculator

Work out whether a convertible bond is worth more as a bond or converted into shares. Enter face value, conversion ratio and share price.

Cost of Delay Calculator

Calculate the financial impact of delaying investment decisions using compound growth, showing opportunity costs and projected investment outcomes.

Covered Call Return Calculator

Calculate covered call premium income, annualised yield, and break-even price from stock price, strike, premium, and expiry length.

Cross-Currency Swap Calculator

Calculate cross-currency swap net cash flow by comparing rate differentials on both legs across a chosen notional amount and swap term.

Crowdfunding Return Calculator

Calculate crowdfunding investment net returns after defaults and fees. Enter investment amount to see net crowdfunding returns after defaults and platform fees.

DCA vs Lump Sum Calculator

Compare dollar-cost averaging versus lump sum investing outcomes across any investment horizon and expected return rate.

Discounted Cash Flow (DCF) Calculator

Value a company using a two-stage discounted cash flow model — explicit forecast period plus a terminal-value tail at a chosen growth rate.

Dividend Cover Ratio Calculator

Calculate dividend cover ratio from earnings per share and dividends per share — a sustainability check on whether profits actually fund the dividend.

Dividend Growth Calculator

Project future dividends and calculate Gordon Growth Model fair value from current dividend, growth rate, and required return.

Dividend Income Calculator

Calculate annual and quarterly dividend income from share holdings, price, and yield percentage. Enter shares owned to see annual dividend income and quarterly.

Dividend Income Goal Calculator

Calculate the portfolio size needed to reach a monthly dividend income goal based on your target yield and desired payout amount.

Dividend Reinvestment Calculator

Calculate dividend reinvestment portfolio growth from initial shares, dividends, price growth, and dividend growth over any horizon.

Dividend Reinvestment Projector

Project the long-term growth of dividend reinvestment (DRIP). See how reinvesting dividends accelerates wealth building.

Dollar Cost Averaging Calculator

Project portfolio value from dollar cost averaging — initial lump sum plus monthly contributions compounding at an expected annual return.

Dollar-Cost Averaging Simulator

Simulate Dollar-Cost Averaging final value vs lump sum investing for the same total contribution, given a market return assumption.

Dollar Return Calculator

Calculate dollar return including capital gains and dividends. Enter initial investment value to see total dollar return from initial value and final value.

Currency Strength Impact Calculator

Calculate the effect of exchange rate movement on the local-currency value of a foreign-currency investment held over a period.

Effective Yield After Fees Calculator

Work out your real yield on an investment after platform and fund fees are deducted. Enter gross yield to see effective (net) yield you actually earn.

Enterprise Value Calculator

Calculate Enterprise Value for company valuation and acquisition analysis from market capitalisation, debt, cash, and minority interest.

Equity Return Calculator

Calculate total equity return from share price change and dividend yield. Enter buy price per share and sell price per share to see total return.

Equity Risk Premium Calculator

Calculate the equity risk premium as expected stock return minus the prevailing Treasury yield — what investors demand for taking equity risk.

Equity vs Debt Investment Calculator

Compare the long-term returns of equity investing against debt (bond) investing at different return and risk assumptions.

ESG Portfolio Return Calculator

Compare ESG portfolio return vs conventional including the fee premium across years — see whether the ethics premium costs you final wealth.

ESG Score Calculator

Calculate a composite ESG score from Environmental, Social, and Governance dimensions, weighted by the priorities you set.

ESG vs Traditional Fund Calculator

Compare ESG fund versus traditional fund wealth outcomes accounting for return and fee differences — see the gap after a long horizon.

ETF Calculator

Project ETF investment growth accounting for expense ratio fee drag across any time horizon, given starting balance and assumed return.

ETF Expense Ratio Drag Calculator

Calculate ETF expense ratio drag impact on long-term returns — a small percentage compounded over decades costs real wealth.

ETF vs Mutual Fund Calculator

Compare long-term investment outcomes between ETFs and mutual funds, accounting for expense ratios, loads, and tax efficiency differences.

Expense Ratio Lifetime Drag Calculator

Calculate the lifetime drag of a fund's expense ratio on a long-term portfolio — what a small annual fee actually costs across decades.

Factor Investing Calculator

Calculate expected portfolio return using a Fama-French style factor model from market return, beta, and small/value factor exposures.

Fixed Deposit Calculator

Calculate fixed deposit maturity amount using principal, interest rate, term, and compounding frequency to see total balance and interest earned.

Fee Impact Comparison Calculator

See how two fee levels change the end value of an investment over 20 years — same balance and same return, just two different annual fees.

FIRE Number Calculator

Calculate your FIRE number using the 4% safe-withdrawal rule from annual retirement expenses, plus the gap to current savings and time to bridge it.

Forex Pip Calculator

Forex pip calculator — the exact cash value of one pip for any lot size and exchange rate. Size positions and risk in account currency.

Forex Profit Calculator

Forex profit calculator. Enter entry, exit, and lot size to calculate P&L, pips captured, and return on margin for any long or short position.

4% Rule Calculator

Calculate sustainable annual withdrawal from a portfolio using the 4% safe withdrawal rate, plus the implied monthly figure.

Future Value Calculator

Calculate future value of an investment with optional monthly contributions. See compound growth over years at any rate.

Future Value Lump Sum Calculator

Calculate the future value of a lump sum investment using compound growth. Enter your amount, rate, and years to see projected returns.

Gold Investment Calculator

Gold investment calculator with inflation-adjusted real return. See nominal and real future value of a gold position over any holding period.

Gordon Growth Model Calculator

Calculate Gordon Growth Model fair value for dividend-paying stocks from current dividend, expected dividend growth, and your required return.

Green Bond Yield Calculator

Calculate approximate yield to maturity for green bonds funding environmental projects, from face value, coupon, and current price.

Growing Perpetuity Calculator

Calculate the present value of a growing perpetuity using the Gordon formula, from the first-year cash flow, growth rate, and discount rate.

Halal Investment Return Calculator

Calculate compound return on Sharia-compliant investment portfolio. Enter initial amount and contribution to see portfolio value.

Hedge Fund vs Index Fund Calculator

Compare hedge fund net returns after fees vs index fund. Enter investment amount and hedge fund gross return to see after 2-and-20 fees vs index fund.

Inflation Adjusted Return Calculator

Calculate real investment return after adjusting nominal return for expected inflation — what your money actually buys versus what it nominally earns.

Inflation-Beating Return Calculator

Calculate real return after inflation using Fisher equation. Enter nominal return and inflation rate to see real inflation-beating return.

Inflation Impact on Investments

Calculate real investment returns after inflation adjustment. Compare nominal vs inflation-adjusted growth to measure true wealth accumulation.

Inflation-Proof Portfolio Calculator

Project the real purchasing power of a portfolio after inflation across the investment horizon — the number that actually matters at retirement.

Information Ratio Calculator

Calculate the information ratio to measure active manager skill as excess return divided by tracking error against a chosen benchmark.

Inheritance Invested vs Spent Calculator

Calculate long-term financial impact of investing vs spending inheritance. Enter inheritance amount to see inheritance investment future value vs spending now.

Investment Calculator

Project investment growth from a lump sum plus monthly contributions, compounded at your chosen expected annual return over a set number of years.

Investment Fee Calculator

Calculate the total dollar cost of investment fees compounded over any time horizon — what a small annual percentage actually costs over decades.

Investment Fee Drag Calculator

Calculate impact of investment fees on portfolio over time. Enter portfolio value and expense ratio to see fees paid over period.

Investment Fee Erosion Calculator

Compare wealth accumulation across low-cost and high-fee investment scenarios. Quantify long-term impact of expense ratios on portfolio growth.

Investment Horizon Calculator

Calculate how many years an investment needs to compound at a given rate to reach a target amount. Enter principal to see years needed to reach the target.

Investment Minimum Calculator

Calculate the minimum lump sum investment needed today to reach a future financial target by a set year at a given annual return rate.

Investment Return After Fees Calculator

Calculate net investment return after fund fees, platform fees, and other charges. Enter gross return and principal to see net return and fee drag.

Investment Return Comparison Calculator

Compare two investments' final values after the same time horizon at different expected returns — see how much a few percentage points really matter.

Investment Value at Target Date Calculator

Calculate projected investment value at a specific target date based on current value and expected return. Enter years to target to see projected value.

IRR Calculator

Calculate Internal Rate of Return for investment decisions. Enter initial investment and cash flow to see irr using bisection method on cash flow streams.

Jensen's Alpha Calculator

Calculate Jensen's alpha — the return your portfolio earned above what CAPM would predict given its beta and the risk-free rate.

Kelly Criterion Calculator

Calculate the Kelly Criterion optimal bet size for positive expected value bets, from win probability, payoff multiple, and bankroll.

Leveraged Return Calculator

Calculate the return on a leveraged investment after borrowing cost. Enter equity, leverage ratio, asset return and borrow rate.

Lump Sum vs DRIP Feed Investing Calculator

Compare lump sum versus drip-feed investing strategies — see which produces the higher end value at your return and volatility assumptions.

Lump Sum vs Dollar Cost Averaging Calculator

Compare lump sum investing against dollar cost averaging across any total amount, spread period, and return assumption. Free and educational.

Margin of Safety Calculator

Calculate margin of safety by entering a stock's current price and intrinsic value estimate to see the percentage discount between them.

Maximum Drawdown Calculator

Calculate maximum drawdown and the recovery percentage needed to climb back to the previous peak after a peak-to-trough loss.

Monthly Investment Goal Calculator

Calculate the monthly investment needed to reach a target amount over time, based on your goal, timeframe, and expected annual return rate.

NAV Calculator

Calculate NAV total return for any fund by entering starting NAV, ending NAV, and distributions paid out to unit holders.

Net Worth Percentile Calculator

Calculate net worth and debt-to-asset ratio with age-based percentile comparisons. Benchmark financial position against demographic peers.

NPV Calculator

Calculate the Net Present Value of a series of cash flows for an investment decision, given discount rate and project length.

Opportunity Cost Calculator

Calculate opportunity cost of money sitting idle versus invested. Enter amount sitting idle to see opportunity cost: foregone returns from not investing money.

Options Premium Calculator

Calculate options premium using Black-Scholes for calls and puts. Enter stock price and strike price to see option premium using black-scholes formula.

Options Profit Calculator

Calculate option profit and loss at expiration from strike, premium, underlying price, and option type — call or put, long or short.

P2P Lending Calculator

Calculate P2P lending net returns after defaults and platform fees — what a gross headline interest rate actually leaves in your account.

Passive vs Active Fund Calculator

Compare long-term returns of passive index funds vs active managed funds at typical fee levels. Enter investment and gross return to see fee-drag gap.

Pension Pot Target Calculator

Calculate pension pot target from desired retirement income and sustainable withdrawal rate. Enter desired annual income to see target pot and projected pot.

Perpetuity Value Calculator

Calculate the present value of a perpetuity — an infinite annual cash flow stream at a chosen discount rate, computed as cash divided by rate.

Portfolio Beta Calculator

Calculate portfolio beta as the weighted average of individual stock betas — see how sensitive your overall portfolio is to market moves.

Portfolio Concentration Risk Calculator

Calculate portfolio concentration risk: the largest holding as a percentage of total portfolio value — a fast read on diversification.

Portfolio Growth Projection Calculator

Project portfolio growth over time by entering your current balance, monthly contributions, and expected annual return rate to estimate future value.

Portfolio Income Calculator

Calculate annual income from a portfolio based on its blended dividend and interest yield, plus the monthly figure that breaks down to.

Portfolio Rebalancing Calculator

Calculate the rebalancing trades needed to return your portfolio to a target asset allocation from current stock and bond holdings.

Portfolio Rebalancing Frequency Calculator

Calculate drift cost from infrequent rebalancing against transaction cost of frequent rebalancing. Enter portfolio value to see annual trade-off.

Portfolio Turnover Cost Calculator

Calculate annual cost drag from portfolio turnover based on commission per trade and bid-ask spread — the friction you can't see on a statement.

Position Sizing Calculator

Calculate the optimal position size for a trade based on account size, risk-per-trade percentage, and your stop-loss distance.

Present Value Calculator

Calculate the present value of a future cash flow at any discount rate and time horizon — what a future amount is worth in present terms.

Price to Earnings Calculator

Calculate the price-to-earnings ratio from share price and earnings per share — the most-cited stock valuation multiple.

Price-to-Sales Ratio Calculator

Calculate Price-to-Sales ratio for company valuation analysis. Enter share price and revenue per share to see p/s ratio from price and revenue or market cap.

Private Equity Return Calculator

Calculate private equity net IRR and net MOIC after management fees and carried interest are deducted from your gross fund returns.

Property Portfolio Calculator

Calculate property portfolio total value, equity, and aggregate yield across multiple holdings of varying size and rental income.

Put Option Cost Calculator

Calculate put option cost for downside protection. Enter stock price, strike, premium, and contracts to see total and annualised insurance cost.

Real Asset Return Calculator

Calculate real asset returns adjusted for inflation alongside nominal returns to see how inflation erodes investment growth over time.

Real Rate of Return Calculator

Calculate real (inflation-adjusted) rate of return on investment. Enter nominal return and inflation rate to see real return.

Rebalancing Trigger Calculator

Determine whether portfolio rebalancing is triggered by drift past a threshold from your target stock and bond allocation.

REITs vs Buy-to-Let Calculator

Compare REITs vs Buy-to-Let property investment returns. Enter investment capital and reit dividend yield to see to buy-to-let property total returns.

Return Needed Calculator

Work out the annual return you'd need to grow a lump sum to a target over a set number of years. Pure compound-rate math.

Risk-Reward Ratio Calculator

Calculate risk-reward ratio and break-even win rate for any trade using entry price, stop loss, and profit target inputs.

Risk Tolerance Calculator

Calculate your investment risk tolerance score. See suggested equity allocation based on time horizon, income, and comfort.

Robo-Advisor vs Self-Investing Calculator

Compare robo-advisor fees vs self-investing in low-cost ETFs over a long horizon — see when the convenience premium starts costing you real money.

ROI Calculator

Calculate return on investment percentage and net profit gains. Determine ROI for stocks, real estate, business ventures, and other investment types instantly.

Rule of 72 Calculator

Estimate investment doubling timeframe at specified interest or growth rates. Calculate years needed to double capital using the rule of 72 formula.

Safe Withdrawal Rate Calculator

Calculate sustainable annual withdrawal from a retirement portfolio at a chosen safe withdrawal rate, plus the monthly figure it implies.

Sequence of Returns Calculator

Calculate the sequence-of-returns risk impact during retirement withdrawals — same average return, but bad early years can permanently shrink the pot.

Sharpe Ratio Calculator

Calculate Sharpe ratio for risk-adjusted investment performance. Enter portfolio annual return to see sharpe ratio: excess return per unit of volatility.

SIP Annual Increase Calculator

Project SIP (systematic investment plan) with annual step-up in monthly contributions. Enter starting monthly and increase to see final pot.

Social Impact Measurement Calculator

Calculate the Social Return on Investment (SROI) ratio for an impact investment from total investment, beneficiary count, and per-beneficiary social value.

Sortino Ratio Calculator

Calculate the Sortino ratio — risk-adjusted return using downside deviation only, so upside volatility doesn't unfairly penalise the score.

Stock Earnings Yield Calculator

Calculate stock earnings yield as the inverse of P/E ratio — the effective yield investors get for each dollar of share price.

Stock Option Calculator

Calculate stock option net value from strike price, current share price, vested percentage, and tax treatment of the gain.

Stock Portfolio Value Calculator

Calculate total stock portfolio value from individual position values and average cost basis — the snapshot view of where you stand.

Stock Profit and Loss Calculator

Calculate stock profit and loss from any trade. Enter buy price, sell price, shares, and commissions to see net gain or return percentage.

Stock Profit Calculator

Calculate stock trade profit and ROI after commissions from buy and sell prices. Enter buy price per share to see net profit and roi percentage.

Stock Return Calculator

Calculate stock total return including capital gains and dividends from initial price, final price, dividends paid, and holding period.

Stock Split Calculator

Calculate the new share count and adjusted price after a stock split, at any forward or reverse split ratio you specify.

Stock Split Value Calculator

Calculate new share count and adjusted price after any stock split. Enter shares, price, and ratio — forward or reverse splits supported.

Stocks vs Bonds Allocation Calculator

Suggest a stocks vs bonds asset allocation from age, risk tolerance, and years to retirement using the classic age-in-bonds heuristic plus tweaks.

Tax Refund Invested Calculator

See what investing your annual tax refund could grow to over your remaining working years at a chosen annual return rate.

Time Value of Money Calculator

Calculate future value of a present lump sum plus regular annual contributions at a chosen rate over any number of years.

TIPS vs Nominal Bond Calculator

Compare TIPS vs nominal Treasury bonds based on your inflation expectations — see which one wins at different realised inflation rates.

Total Investment Return Calculator

Calculate total investment return combining capital growth and income returns. Enter initial value and final value to see total return.

Total Return Calculator

Calculate total return on your portfolio including reinvested dividends, contributions, and CAGR across any investment period.

Tracking Error Calculator

Calculate tracking error and the information ratio for active management — how far the portfolio drifts from its benchmark and what excess return that buys.

Treynor Ratio Calculator

Calculate Treynor ratio measuring return per unit of market beta risk. Enter portfolio annual return to see treynor ratio: excess return per unit of beta.

Value at Risk (VaR) Calculator

Calculate Value at Risk (VaR) for portfolio risk management — the maximum loss expected at a chosen confidence level over a given timeframe.

Volatility Impact Calculator

Calculate the drag of volatility on long-term returns using the arithmetic-minus-geometric return gap — why volatile portfolios end lower than averages suggest.

Wealth Building Rate Calculator

Calculate projected annual wealth growth from your savings rate and expected investment returns, projected at 1, 5, and 10 year horizons.

Windfall Allocation Calculator

Model optimal windfall distribution between debt repayment, savings growth, and discretionary spending with adjustable allocation percentages.

Wine Investment Annualised Return Calculator

Estimate the annualised return on a wine investment from purchase price, current value, holding period, and annual storage cost.

XIRR Calculator

Calculate XIRR (Extended Internal Rate of Return) for irregular cash flows received across multiple years at varying intervals.

Yield Comparison Calculator

Compare yields across three investments on the same principal. See which pays the most income per year and the gap between them.

Yield on Cost Calculator

Calculate yield on cost showing dividend power for long-term holders — current dividend as a percentage of what you originally paid, not current price.

Yield to Maturity Calculator

Calculate yield to maturity for any bond using the bisection method — find the IRR of all future cash flows from today's purchase price.