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.

PVIFA — the present value interest factor of an annuity, the multiplier turning equal payments into one present value, behind loan and bond pricing

Sinking fund payment — the recurring deposit needed to hit a target amount by a future date, with the interest the compounding does for you

Growing annuity present value — payments rising at a constant rate each period — for inflation-linked income, escalating leases, or growing dividends

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.

Fisher equation — convert nominal and real rates exactly, (1 + nominal) = (1 + real)(1 + inflation), not the nominal-minus-inflation shortcut

Return on investment from what you put in and got back — plus annualized (compound) ROI, the only fair way to compare different holding periods

Rule of 72 — how many years money takes to double at a given return, with the exact logarithmic answer to see how close the shortcut really is

Your weighted average cost per share across multiple buys — the true break-even price when you average down or build a position in stages.

Profit or loss on a stock trade after buy and sell commissions, with your return on cost as a percentage — the honest figure once fees are counted.

The dividend yield on a stock from its annual dividend and share price — the income return that lets you compare payouts across very differently priced shares.

The share of your income you actually save — the single number that, more than any return, decides how fast you reach financial independence.

HSA growth with the triple tax advantage quantified — the upfront deduction, FICA savings via payroll, tax-free growth, and the gap versus the same dollars in a taxable account.

Projects a 529 balance against the inflated future cost of college — the funding gap, and the monthly contribution that closes it, with education inflation modeled separately.

Solves exactly how long until your savings first cross $1,000,000 — the arrival date, your age that day, and how much of the million is contributions versus compounding.

Splits a lump sum across staggered CD rungs — each rung's maturity value at your entered APYs, the blended yield, and the cash-available timeline that laddering buys you.