Financial Calculators

A set of calculators where you enter your own amounts and time horizon. Apply the principles from our articles directly to your numbers.

• Compound Interest Calculator See how a starting amount, monthly contributions, return, and time compound.
• S&P 500 Historical Return Calculator Invested in a given year — what would it be worth now? Uses real year-by-year returns.
• Dollar-Cost Averaging (DCA) Calculator Invest a fixed amount monthly in the S&P 500 — backtested with real returns.
• FIRE Calculator Find the target portfolio for financial independence and how long it takes.
• Coast FIRE Calculator See if money already invested reaches your retirement target with no more saving.

• 4% Rule Calculator Turn annual spending and a withdrawal rate into the nest egg you need.
• Real Return Calculator Your true return after inflation, and future value in today's money.
• Savings Goal Calculator See how much to save each month to reach a target by a set time.
• Inflation Calculator See future prices and how much your money will actually be worth.
• Dividend Calculator Turn an investment and yield into annual and monthly dividend income.
• Emergency Fund Calculator Find the emergency fund you need and how long it takes to save it.
• Investment Fee Calculator See how much a 1% annual fee costs over decades.
• Debt Payoff Calculator How long payoff takes and how much interest you pay.
• Net Worth Calculator Add up assets, subtract debts, find your net worth.
• Retirement Withdrawal Calculator How many years your money lasts at a given withdrawal.
• Savings Rate Calculator See how your savings rate sets the years to financial independence.
• CAGR Calculator Turn a start value, end value, and years into the compound annual growth rate.
• Barista FIRE Calculator The smaller nest egg you need when part-time income covers part of your spending.
• Latte Factor Calculator See what a small daily spend could become if invested for decades.
• Asset Allocation by Age Calculator A rule-of-thumb stock and bond split for your age (the 110-minus-age rule).