Investment Calculators
16 free investment tools
Model growth honestly — after fees, after inflation, over decades.
Most investment projections quote a nominal return and stop there. Fees and inflation both compound against you, and over a thirty-year horizon they can consume a large share of the headline figure. These calculators let you see the return that actually reaches you.
Compound Interest Calculator
See how your money grows with compound interest and regular contributions.
Open calculatorInvestment Calculator
Project investment growth from contributions, returns and optional taxes.
Open calculatorDividend Calculator
Estimate dividend income and total return with optional DRIP reinvestment.
Open calculatorFuture Value Calculator
Calculate what a lump sum and regular deposits will be worth in the future.
Open calculatorAnnual Return Calculator
Calculate the annualized return (CAGR) of an investment over time.
Open calculatorAsset Allocation Calculator
Get a suggested stock, bond and cash mix based on age and risk tolerance.
Open calculatorPresent Value Calculator
Find what a future sum of money is worth in today's dollars.
Open calculatorCAGR Calculator
Find the compound annual growth rate of an investment between two values.
Open calculatorRule of 72 Calculator
Estimate how long it takes to double your money — or the return you'd need.
Open calculatorMillionaire Calculator
See how long it takes to reach a million (or any target) with regular saving.
Open calculatorDividend Reinvestment (DRIP) Calculator
Project an investment's growth when dividends are automatically reinvested.
Open calculatorInvestment Fee Calculator
See how much fund fees and expense ratios quietly cost you over time.
Open calculatorStock Profit Calculator
Calculate your profit or loss and return on a stock trade after fees.
Open calculatorReal Rate of Return Calculator
Find your inflation-adjusted return — what your money actually gains in buying power.
Open calculatorCap Rate Calculator
Calculate a rental property's capitalization rate from its income and price.
Open calculatorRental Property Calculator
Estimate a rental's monthly cash flow, cash-on-cash return and cap rate.
Open calculator
Fees compound too
A one percentage point difference in annual fees sounds trivial. Over thirty years it commonly removes a fifth or more of the final balance, because the fee is charged on the whole pot every year — including the growth it has already prevented. Comparing an expense ratio of 0.05% with one of 1.00% is not a rounding decision; it is one of the largest single levers most investors control.
Nominal returns flatter, real returns inform
A 7% return with 3% inflation leaves roughly 3.9% of genuine purchasing power, not 4% — the relationship is multiplicative, not subtractive. Over long periods that gap widens. When you are planning for a goal decades away, model the real return, because that is what determines what the money will actually buy.
Frequently Asked Questions
What is a realistic rate of return?+
Long-run US equity returns have averaged roughly 10% nominally before inflation, but with large swings and long flat periods. Many planners model 6–7% nominal for a diversified portfolio to avoid overestimating. Whatever you choose, apply it consistently and check the result against a more pessimistic figure.
What is CAGR?+
Compound annual growth rate — the single smoothed annual rate that would take you from a starting value to an ending value over a period. It is the fair way to compare investments held for different lengths of time.
How much difference do investment fees really make?+
More than most people expect. Because fees are charged on the total balance annually, a one point difference typically costs a fifth or more of the final pot across a working lifetime.