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Investment & Savings Calculators

Compound interest, portfolio growth, dividend income, bond yields, ROI and more — every investment calculation you need to grow your wealth.

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The Power of Knowing Your Investment Numbers

Albert Einstein reportedly called compound interest the eighth wonder of the world. Whether or not he said it, the math is undeniable — small, consistent investments over long time horizons produce results that feel almost impossible until you see the numbers in front of you.

Our investment calculators let you model those numbers in seconds. See exactly what $500 per month invested at 7% for 30 years becomes. Compare dividend reinvestment against selling. Calculate whether a bond is worth its price. Find your break-even on any investment. The numbers tell the story — these calculators tell the numbers.

Every calculator uses standard financial formulas — the same ones used by financial advisors and investment professionals — and shows you the complete formula so you can verify and understand every result.

Most Powerful Tool in Investing

Compound Interest Calculators

See how your money grows exponentially over time with the most important concept in personal finance.

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Compound Interest Calculator

Future value with annual, monthly or daily compounding

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Annual Compound Interest Calculator

Year-by-year compound growth with contributions

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Daily Compound Interest Calculator

Maximum growth with daily compounding frequency

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Compound Interest vs Simple Interest Calculator

See the dramatic difference compounding makes over time

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CAGR Calculator

Compound Annual Growth Rate between any two values

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Future Value Calculator

Present value grown to future value at any rate

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Build Your Nest Egg

Savings Calculators

From emergency funds to long-term wealth — calculate how much to save, for how long, and at what rate.

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Savings Calculator

How much will your savings grow over time?

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Savings Goal Calculator

How much to save monthly to hit a target by a date

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Emergency Fund Calculator

How large should your emergency fund be?

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High Yield Savings Account Calculator

Compare HYSA returns against standard savings rates

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CD Calculator

Certificate of deposit return at maturity

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Money Market Account Return Calculator

Returns on money market accounts over time

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Savings Rate Calculator

What percentage of income are you actually saving?

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Round-Up Savings Calculator

How much do micro-savings add up to over a year?

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Equity Investing

Stock & Dividend Calculators

Dividend income, portfolio returns, DCA strategies and stock performance metrics.

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Dividend Calculator

Annual dividend income from shares and yield

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Dividend Yield Calculator

Calculate yield from price and dividend per share

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Annual Dividend Income Calculator

Project annual income from a dividend portfolio

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DCA Crypto Dollar Cost Averaging Calculator

Model DCA strategy returns on any asset

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Stock Return Calculator

Total return including dividends and price appreciation

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Portfolio Rebalancing Calculator

When and how much to rebalance your portfolio

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Common Questions

Investment Calculator FAQ

Compound interest means you earn interest on both your original principal and the interest you have already earned. Over long time horizons this creates exponential growth. For example, $10,000 at 7% simple interest for 30 years gives you $31,000. The same $10,000 at 7% compound interest gives you $76,000 — more than double. The longer the time horizon, the more dramatic the difference.

The US stock market (S&P 500) has returned approximately 10% annually on average since 1957. After adjusting for inflation, the real return is closer to 7%. For conservative planning, most financial advisors suggest using 6–7% as a realistic long-term compound annual growth rate for a diversified equity portfolio. This accounts for periods of both strong growth and downturns.

The standard recommendation is to save at least 15–20% of your gross income for retirement. If you are starting later, you may need to save more. The 50/30/20 rule suggests 50% for needs, 30% for wants, and 20% for savings and debt repayment. Use our Savings Goal Calculator to find the exact monthly amount needed to reach any specific financial target by any specific date.

Return on Investment (ROI) measures the profitability of an investment as a percentage of its cost. The formula is: ROI = (Net Profit / Cost of Investment) × 100. For example, if you invest $10,000 and receive $13,000 back, your ROI is 30%. Our ROI Calculator also calculates annualised ROI, which accounts for the time the money was invested.

APR (Annual Percentage Rate) is the yearly interest rate without accounting for compounding within the year. APY (Annual Percentage Yield) accounts for the effect of compounding within the year. For savings accounts and investments, APY is the more accurate measure of what you actually earn. For loans and credit cards, APR is typically the quoted rate. Always compare like-for-like when evaluating financial products.

See What Your Money Can Do.

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