Investing & personal finance calculators
Sixteen free tools to value stocks, model compounding, budget your money, clear debt and plan for financial independence — no sign-up required.
Investing & valuation
Compound Interest
See how investments grow with compounding returns.
Open →Rate of Return (CAGR)
Calculate the annualised return of any investment.
Open →Present Value
What a future sum is worth in today’s money.
Open →DCF Intrinsic Value
Value a stock with a two-stage DCF and margin of safety.
Open →Five Criteria Scorecard
Score any stock against the Five Criteria.
Open →Withdrawal Rate
Test how long a portfolio lasts at a given rate.
Open →Annuity
Value an annuity and its payouts.
Open →Personal finance
Budget Planner (50/30/20)
Split take-home pay into needs, wants and savings.
Open →Emergency Fund
How large your safety net should be, and when you’ll hit it.
Open →Debt Payoff
Payoff time and interest saved, snowball vs avalanche.
Open →Net Worth
Add up assets minus liabilities to track real progress.
Open →FIRE / Financial Independence
Your financial independence number and years to reach it.
Open →Retirement
Project your retirement pot and income.
Open →Savings Goal
How much to save each month to hit a target.
Open →Mortgage
Monthly payment and total interest on a home loan.
Open →Loan Repayment
Repayments and true cost of any loan.
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