Saving & Investing Calculators

Project the growth of savings and investments with inflation-adjusted (real) returns, fees, taxes, contribution step-ups, and a full year-by-year breakdown.

Find how much to set aside each month to hit a target by a deadline — or how long your current pace will take.

CAGR, total return, and the true money-weighted return (IRR) when you add contributions — plus the inflation-adjusted real return.

Project dividend income with reinvestment (DRIP), rising payouts, and yield-on-cost — and see how much DRIP adds over taking cash.

The exact trades to hit your target allocation — plus a no-sell, contributions-only mode that rebalances without triggering taxable sales.

Compare two expense ratios side by side and see the dollars — and the share of your gains — that fees quietly consume over time.

Maturity value and interest from a certificate of deposit — plus what an early-withdrawal penalty would actually cost you.

Grow a savings balance at a real APY — and see what tax on interest and inflation leave you with in today’s money.

RSU value at vest, sell-to-cover shares, and the 22% withholding gap that leaves higher earners owing more at tax time.

The true investment yield on a T-bill (not just the quoted discount yield), the APY, and its state-tax-free advantage.

Your ESPP discount and lookback turned into a real return — the immediate gain and the eye-opening annualized rate.

Turn a nominal rate into its true APY, compare APY across compounding frequencies, and see the real dollars earned.

Simple and compound interest side by side — the total interest each way, the final balance, and exactly how many dollars compounding adds on top.

What a lump sum and regular contributions grow to at any rate and compounding frequency — with the split between what you put in and the interest you earn.

What a future lump sum or stream of payments is worth in today’s money once discounted — and how much value is lost to time at a given rate.

The compound annual growth rate that links a starting and ending value over time — the single rate that makes investments of different lengths comparable.

Future value with continuous compounding (P·e^(rt)), the effective annual rate it produces, and how much it beats compounding just once a year.

The present value interest factor of an annuity — the multiplier that turns a stream of equal payments into a single present value, behind loan and bond pricing. Educational, not investment advice.

The recurring deposit needed to accumulate a target amount by a future date — an annuity run in reverse, with the interest the compounding does for you. Educational, not investment advice.

The present value of a stream of payments that rises at a constant rate each period — for inflation-linked income, escalating leases, or growing dividends. Educational, not investment advice.

Your total return on an investment — capital gain plus income as a percentage of what you paid — split into the price return and the income return.

Convert between nominal and real interest rates using the exact Fisher equation — (1 + nominal) = (1 + real)(1 + inflation) — not just the nominal-minus-inflation shortcut.

Return on investment from what you put in and got back — plus the annualized (compound) ROI, the only fair way to compare investments held for different lengths of time.