Investing Calculators

100 Minus Age Asset Allocation Calculator

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

Active vs Passive Investing Calculator

Compare active versus passive investing over the long run. See how a percentage point of extra fees compounds into a wealth gap over decades.

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 APR to APY for any compounding frequency to see the true effective annual yield — what you actually earn (or pay) on a given quoted rate.

Asset Allocation Calculator

Calculate suggested portfolio asset allocation by age and risk tolerance (stocks/bonds/cash). Enter risk tolerance 1-10 to see suggested stock and bond.

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 bond Macaulay and Modified duration to gauge price sensitivity to interest rate changes — the bond investor's risk metric.

Bond Price Calculator

Calculate bond price as the present value of its coupon stream plus face value, given face value, coupon rate, market yield, and years to maturity.

Bond Yield vs Inflation Calculator

Calculate real bond yield by adjusting nominal yield for inflation. Enter nominal bond yield to see real yield: nominal bond yield adjusted for inflation.

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 deposits, escalation, after-tax and inflation-adjusted projections, time-to-double, and sortable breakdown.

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

Calculate crowdfunding investment net returns after defaults and fees. Enter investment amount to see net crowdfunding returns after defaults and platform fees.

DCA vs Lump Sum Calculator

Compare dollar-cost averaging versus lump sum investing outcomes across any investment horizon and expected return rate.

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.

Dollar Return Calculator

Calculate dollar return including capital gains and dividends. Enter initial investment value to see total dollar return from initial value and final value.

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

Calculate a composite ESG score from Environmental, Social, and Governance dimensions, weighted by the priorities you set.

ESG vs Traditional Fund Calculator — Fees and Returns Compared

Compare ESG and traditional fund expense ratios and long-term returns. See how typical fee differences affect wealth over a long horizon.

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 investment outcomes between ETFs and mutual funds, accounting for expense ratios, loads, and tax efficiency differences.

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 the end value of an investment over 20 years — same balance and same return, just two different annual fees.

FIRE Number Calculator

Calculate your FIRE number using the 4% safe-withdrawal rule from annual retirement expenses, plus the gap to current savings and time to bridge it.

4% Rule Calculator

Calculate sustainable annual withdrawal from a portfolio using the 4% safe withdrawal rate, plus the implied monthly figure.

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 — the number that actually matters at retirement.

Information Ratio Calculator

Calculate the information ratio to measure active manager skill as excess return divided by tracking error against a chosen benchmark.

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 after the same time horizon at different expected returns — see how much a few percentage points really matter.

IRR Calculator

Calculate Internal Rate of Return for investment decisions. Enter initial investment and cash flow to see IRR using bisection method on cash flow streams.

Leveraged Return Calculator

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

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 Percentile 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

Calculate the Net Present Value of a series of cash flows for an investment decision, given discount rate and project length.

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

Calculate put option cost for downside protection. Enter stock price, strike, premium, and contracts to see total and annualised insurance cost.

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

Compare robo-advisor fees vs self-investing in low-cost ETFs over a long horizon — see when the convenience premium starts costing you real money.

ROI Calculator

Calculate return on investment percentage and net profit gains. Determine ROI for stocks, real estate, business ventures, and other investment types instantly.

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 the sequence-of-returns risk impact during retirement withdrawals — same average return, but bad early years can permanently shrink the pot.

Sharpe Ratio Calculator

Calculate Sharpe ratio for risk-adjusted investment performance. Enter portfolio annual return to see sharpe ratio: excess return per unit of volatility.

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 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

Suggest a stocks vs bonds asset allocation from age, risk tolerance, and years to retirement using the classic age-in-bonds heuristic plus tweaks.

TIPS vs Nominal Bond Calculator

Compare TIPS vs nominal Treasury bonds based on your inflation expectations — see which one wins at different realised inflation rates.

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 the drag of volatility on long-term returns using the arithmetic-minus-geometric return gap — why volatile portfolios end lower than averages suggest.

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.