Calculator directory
Financial Calculators
Browse 34 free calculators for investing, income, budgeting, debt, savings, net worth, retirement and financial independence. Every tool shows its assumptions and limitations.
10 calculators
Investing and portfolio decisions
Model contribution patterns, fees and allocation, then measure total, annualized and inflation-adjusted returns.
Lump Sum vs DCA Calculator
Compare investing available capital immediately with spreading it across a chosen period.
Open calculatorMonthly Investment Calculator
Project recurring contributions, growth and inflation-adjusted value.
Open calculatorInvestment Fee Calculator
Compare the long-term effect of two annual investment fee levels.
Open calculatorAsset Allocation Calculator
Measure current asset-class weights and compare them with targets you enter.
Open calculatorCAGR Calculator
Convert point-to-point growth into a constant compounded annual rate.
Open calculatorROI Calculator
Measure total return after costs and investment income.
Open calculatorReal Return Calculator
Adjust a nominal return for inflation and measure purchasing-power growth.
Open calculatorDividend Income Calculator
Annualize an entered dividend and estimate income and indicated yield.
Open calculatorDividend Reinvestment Calculator
Compare taking modeled dividends in cash with reinvesting each payment.
Open calculatorYield on Cost Calculator
Compare dividend income with historical cost and current market price.
Open calculator4 calculators
Budgeting and cash flow
Turn irregular costs into usable monthly figures and examine how money moves through the household.
Monthly Expenses Calculator
Convert weekly, monthly, quarterly and annual costs into comparable monthly totals.
Open calculatorPersonal Cash Flow Calculator
Project four weeks of inflows and outflows to find the lowest balance.
Open calculator50/30/20 Budget Calculator
Compare entered needs, wants and goals with the percentage framework.
Open calculatorZero-Based Budget Calculator
Assign after-tax income and identify any unassigned or overassigned amount.
Open calculator3 calculators
Income and job decisions
Convert gross pay consistently and compare the financial and time components of employment offers.
Hourly to Salary Calculator
Convert an hourly rate into gross weekly, monthly and annual pay.
Open calculatorPro Rata Salary Calculator
Scale a full-time salary by the hours and paid weeks you enter.
Open calculatorJob Offer Comparison Calculator
Compare cash pay, employer-funded value, commute costs and time across two offers.
Open calculator3 calculators
Financial foundations and goals
Measure household resilience, debt, wealth and progress toward a defined target.
Emergency Fund Calculator
Model a cash-reserve target from essential expenses and a coverage period.
Open calculatorNet Worth Calculator
Calculate assets minus liabilities and compare total with liquid net worth.
Open calculatorSavings Goal Calculator
Estimate the monthly amount required for a target and deadline.
Open calculator3 calculators
Savings and interest
Measure saving behaviour and model how interest treatment changes a cash balance.
Savings Interest Calculator
Project savings growth from deposits and a fixed annual percentage yield.
Open calculatorSavings Rate Calculator
Calculate the share of after-tax income directed to saving, investing and extra debt principal.
Open calculatorSimple vs Compound Interest Calculator
Compare interest on principal only with interest that compounds over time.
Open calculator7 calculators
Borrowing and debt repayment
Measure debt pressure and model how payments, rates and overpayments affect repayment.
Debt-to-Income Ratio Calculator
Compare recurring monthly debt payments with gross monthly income.
Open calculatorCredit Card Payoff Calculator
Estimate payoff time and interest under fixed-payment scenarios.
Open calculatorLoan Repayment Calculator
Model a fixed-rate amortising loan and recurring overpayments.
Open calculatorDebt Payoff Calculator
Compare smallest-balance-first and highest-interest-first payoff orders.
Open calculatorBalance Transfer Calculator
Compare a current card balance with a promotional transfer offer and fee.
Open calculatorDebt Consolidation Calculator
Compare existing fixed-payment debts with one consolidation loan.
Open calculatorLoan Comparison Calculator
Compare two fixed-rate offers using rates, terms and upfront fees.
Open calculator4 calculators
Retirement and financial independence
Build retirement targets and inspect the assumptions behind FIRE and Coast FIRE estimates.
How Long Will My Money Last Calculator
Compare fixed and inflation-adjusted withdrawals and inspect when savings run out.
Open calculatorRetirement Savings Calculator
Compare a spending-based retirement target with projected savings.
Open calculatorFIRE Calculator
Estimate a financial-independence number and modeled time to reach it.
Open calculatorCoast FIRE Calculator
Test whether current investments could compound to a future target without new contributions.
Open calculator