Investing Calculators

100 Minus Age Asset Allocation Calculator

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

Active vs Passive Investing Calculator

Compare an active fund against an index tracker over any horizon, and see the gross return active needs just to break even after charges.

Annualized Return Calculator — Any Holding Period

Convert any holding-period return into an annualized rate. Enter start value, end value, income, and months held — including periods under a year.

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 a stated annual rate to its effective annual yield at any compounding frequency, with the gap in percentage points and the continuous ceiling.

Asset Allocation Calculator

Model a stock, bond and cash split from age and risk tolerance using the 110-minus-age rule, and see the amounts each allocation implies.

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.

Bond Duration Calculator

Calculate a bond's Macaulay and Modified duration from coupon, yield, term and payment frequency, plus the estimated price move per percentage point.

Bond Price Calculator

Price a bond as the present value of its coupons plus face value, discounted at the market yield you enter, with the premium or discount to par shown.

Bond Yield vs Inflation Calculator

Estimates the real (inflation-adjusted) yield of a bond from its nominal yield and expected inflation, using the Fisher equation.

CAGR Calculator — Compound Annual Growth Rate

Calculate compound annual growth rate (CAGR) between a start and end value over any period. See the smoothed yearly rate behind the total 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.

Compound Interest Calculator

Free compound interest calculator with regular deposits and withdrawals, any compounding frequency, after-tax and inflation-adjusted results.

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 — The Price of Waiting to Invest

See what delaying an investment could cost. Enter the amount, return and delay to compare investing now versus waiting, using compound growth.

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

Work out what a crowdfunding investment returns after borrower defaults and platform fees, by compounding the headline rate less both deductions.

DCA vs Lump Sum Calculator

Compare dollar-cost averaging against lump sum investing across any horizon, return rate and assumed market dip, and see which ends ahead.

Dividend Growth Calculator

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

Dividend Reinvestment Calculator

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

Dividend Yield Calculator — Yield and Yield on Cost

Calculate dividend yield from share price and annual dividend. See the income a holding pays per year and month, plus yield on cost.

Dollar Return Calculator

Shows an investment's total return in money terms from its opening value, closing value and dividends received, split into its capital and income parts.

Effective Yield After Fees Calculator

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

ESG Score Calculator

Combine Environmental, Social and Governance scores into a single 0-100 composite, weighted the way you choose, with each pillar's contribution shown.

ESG vs Traditional Fund Calculator — Fees and Returns Compared

Compare an ESG fund against a conventional fund over any period, and see how much of the gap comes from charges rather than from returns.

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 ETF and mutual fund outcomes side by side, isolating the effect of expense ratios and any front-end sales load over your horizon.

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 an investment's end value over a chosen horizon: same balance, same gross return, two different annual charges.

FIRE Number Calculator

Calculate your FIRE number from annual retirement expenses using the 4% safe-withdrawal rule, plus the gap between that target and current savings.

4% Rule Calculator

Apply a withdrawal rate to a portfolio and see the annual figure alongside its monthly, weekly and daily equivalents and the years it would last unchanged.

Future Value Calculator

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

Gordon Growth Model Calculator

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

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.

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, alongside the nominal figure and the erosion between them.

Information Ratio Calculator

Calculate the information ratio: excess return over a benchmark divided by tracking error, showing the return earned per unit of active risk.

Investment Fee Calculator

See the true cost of investment fees compounded over time. Enter your balance, fee percent and horizon to find what a small annual fee costs over decades.

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 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 over the same horizon at different expected returns, and see the gap the rate difference produces.

IRR Calculator

Solves for the annual rate at which an outlay, a level cash flow and a terminal value net to zero, with the multiple and the undiscounted payback.

Leveraged Return Calculator

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

Lumpsum Investment Calculator — One-Time Investment Growth

Project the future value of a one-time lumpsum investment. See wealth gained, effective annual rate, and the inflation-adjusted result instantly.

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.

Net Worth Benchmark Calculator

Calculate net worth and debt-to-asset ratio, then compare against a simple age-based benchmark. See the gap and the monthly saving to close it.

NPV Calculator

Discounts a level annual cash flow to present value and subtracts the outlay, with the profitability index and the rate where the result crosses zero.

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 Rebalancing Calculator

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

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.

Put Option Cost Calculator

Price put option contracts from the premium, strike and expiry: total cash cost, cost as a share of the position, and the equivalent annual rate.

Rebalancing Trigger Calculator

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

Robo-Advisor vs Self-Investing Calculator

See what the difference in total annual charges between a managed service and a self-directed portfolio compounds to over a long horizon.

ROI Calculator

Work out return on investment from an initial cost and a final value, with the net change in cash, the value multiple, and the share of each side.

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 — Retirement Income

Estimate how much can be withdrawn from a retirement portfolio each year at a chosen withdrawal rate, with the monthly income it implies.

Sequence of Returns Calculator

Calculate sequence-of-returns risk in retirement withdrawals: the same average return, but bad early years shrink the pot more than late ones do.

Sharpe Ratio Calculator

Calculate the Sharpe ratio from a portfolio return, a low-risk baseline and a standard deviation, plus the band it falls in and the return reaching 1.00.

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.

Stock Average Calculator — Average Down and Cost Basis

Calculate the average share price across multiple buys. See total cost, break-even level, and unrealised gain or loss at the current price.

Stock Portfolio Value Calculator

Calculate total stock portfolio value from individual position values, for a single snapshot of where every holding stands today.

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 Split Calculator

Calculate the new share count and adjusted per-share price after a whole-number forward stock split such as 2-for-1, 3-for-1, or 4-for-1.

Stocks vs Bonds Allocation Calculator

Estimate a stocks and bonds split from age, risk tolerance and years to retirement, using the 110-minus-age rule with adjustments for both.

TIPS vs Nominal Bond Calculator

Compare inflation-linked bonds against conventional bonds at any inflation rate, and see the break-even rate where the two finish level.

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 how volatility drags on long-term returns, using the gap between an average annual return and the compounded return that follows from it.

Windfall Allocation Calculator

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

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.