Investment calculators
Eight free tools for planning. Results are estimates for education only, not projections of actual performance.
Compound Interest Calculator
See how a starting balance plus monthly contributions grow over time.
Results
- Ending balance
- $462,290
- Total contributed
- $160,000
- Growth from compounding
- $302,290
Assumes contributions at month end and a constant return. Real returns vary year to year.
Retirement Savings Calculator
Project your balance at retirement and an estimated annual withdrawal.
Results
- Projected nest egg
- $1,277,819
- Annual income at 4%
- $51,113
- Monthly income at 4%
- $4,259
The 4% rule is a planning heuristic, not a guarantee. It ignores taxes and sequence-of-returns risk.
Dividend Reinvestment Calculator
Compare reinvesting dividends against taking them as cash.
Results
- Value if reinvested
- $212,393
- Value if dividends taken
- $109,556
- Cash dividends collected
- $35,000
Assumes a constant yield on cost and ignores dividend taxes in taxable accounts.
Investment Growth Calculator
Grow a single lump sum at a chosen rate.
Results
- Future value
- $79,304
- Total gain
- $54,304
- Multiple of capital
- 3.17x
Nominal figures. Subtract inflation to see purchasing power.
Dollar Cost Averaging Calculator
Model steady monthly investing over a set period.
Results
- Ending balance
- $129,814
- Total invested
- $90,000
- Investment gain
- $39,814
DCA reduces timing regret; historically lump-sum investing wins more often than not.
Required Rate of Return Calculator
Find the annual return needed to reach a goal.
Results
- Required annual return
- 14.35%
- Growth multiple needed
- 5.00x
- Realistic?
- Aggressive — extend the horizon or add contributions
Returns above roughly 10% annually require taking meaningful risk.
Real Estate ROI Calculator
Cash-on-cash return and cap rate for a rental property.
Results
- Annual cash flow
- $6,600
- Cash-on-cash return
- 7.54%
- Estimated cap rate
- 5.35%
Cap rate uses a 40% operating expense assumption. Replace it with real numbers when you have them.
Annualized Return Calculator
Convert a total return into a compound annual growth rate.
Results
- Total return
- 85.00%
- Annualized (CAGR)
- 10.80%
- Gain
- $8,500
CAGR smooths volatility; it does not describe the path taken.
The Beginner's Investment Toolkit
A checklist, an allocation worksheet and a fee-comparison template. Sent once, plus a weekly education email you can unsubscribe from anytime.
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