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Investing & Savings

Compound growth, retirement targets and savings goals. 20 free tools, each one showing the math behind its answer and running entirely in your browser.

Growth pages make compounding visible: contributions, a return rate, a time horizon, and the difference between the closing balance and the money that was actually paid in - the part that came from the rate rather than the deposits.

Retirement and 401(k) pages add an employer match, a vesting schedule and a withdrawal rate, then print both the projection and the assumptions underneath it, including what happens to the same numbers if the contribution stops.

None of these pages predict a market. A single average return is a straight line drawn through a number that has never moved in a straight line, and each page says so where the figure is shown.

All 20 Investing & Savings tools

401(k) CalculatorSee what your deferral and your employer match add up to, which 2026 limit applies at your age, and what the balance becomes by retirement.Calculate 401(k) savings →
401(k) Rollover CalculatorCompare keeping an old 401(k) with rolling it into an IRA over the years, and see what the mandatory 20 percent withholding costs if the money is paid to you.Compare 401(k) rollovers →
APY vs APR CalculatorConvert between a nominal APR and the effective annual percentage yield (APY) it really pays once compounding is counted, in either direction.Convert APY and APR →
Asset Allocation CalculatorSee a starting blend of stocks, bonds and cash for your portfolio value, pick between four reference risk profiles, and compare their percentages side by side.See a starting blend for your goal →
Average Down CalculatorSee what buying more at a lower price does to your average cost, the price you need to break even, and how to size the position from the risk you accept.Estimate average-down cost →
CD CalculatorEstimate what a certificate of deposit is worth at maturity: your deposit, the quoted APR, the term and the compounding, plus the effective annual yield.Calculate CD maturity value →
Compound Interest CalculatorSee how a lump sum and regular deposits compound over time, what the effective annual rate really is, and the deposit needed to reach a goal.Calculate compound interest →
Crypto DCA CalculatorAdd each crypto purchase, see the average cost it produces, what the position is worth today, and how it compares with a single lump-sum buy.Model crypto DCA returns →
Crypto Mining CalculatorModel a crypto miner before you buy it: hashrate, power, electricity price and coin price decide your daily profit, and this page works it out line by line.Model a miner before you buy it →
Crypto Profit CalculatorWork out the profit or loss on a crypto trade after the exchange fees on both sides, network costs and tax, plus the price you need just to break even.Calculate crypto profit →
Dividend CalculatorSee what a shareholding pays in dividends, what reinvesting them buys over time, and how the income grows when the dividend itself rises each year.Estimate dividends →
Emergency Fund CalculatorWork out the emergency fund you need by multiplying monthly expenses by a target cushion, then see what you have and exactly how many months it covers.Size your emergency fund →
ETF Fee CalculatorSee what an ETF expense ratio really costs over time: how much of your growth the fee eats, and how the same money ends at a cheaper ratio.See what an expense ratio really costs →
Net Worth CalculatorAdd up everything you own and everything you owe to get your net worth, the share of assets each bucket makes up, and your debt-to-asset ratio.Total your assets and liabilities →
Options Profit CalculatorWork out what a call or a put is worth at expiration: the intrinsic value, the break-even price, the profit or loss and the commission charged on both legs.Calculate option profit →
Retirement CalculatorProject your retirement balance from monthly saving, work out the nest egg your spending needs, and see how long the money lasts once withdrawals start.Plan for retirement →
ROI CalculatorWork out the return on an investment, the annualised rate behind it, and how the same position looks at a different exit price. Includes fees and dividends.Calculate ROI →
Roth vs Traditional CalculatorCompare a Roth and a traditional account after tax, find the break-even tax rate, and see what the same money does in a taxable brokerage account.Compare Roth vs traditional →
Social Security CalculatorWork out a Social Security retirement benefit from your earnings record and the age you claim, using 2026 bend points and credits for starting early or late.Estimate Social Security →
Solar CalculatorWork out what a rooftop solar system pays per kilowatt-hour, when it pays for itself, and what the federal residential credit is worth on a new system.Estimate solar savings →

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