Free calculators
Six questions worth doing the arithmetic on. Each card shows a real worked answer, so you know what the tool tells you before you open it. No account, no email.
Fee Drag Calculator
What does a 1% annual fee actually cost me?
$500 a month for 30 years, 7% return
$132,555
taken by a 1% fee. That is 19% of the pot you would otherwise have finished with.
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Starting amount, monthly contribution, return, fee, years
Sequence of Returns Risk
Does it matter when a crash happens?
$1M, drawing $40,000 a year for 25 years
$1.87M
difference between the good years arriving first and arriving last. Same returns, same average, different order.
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Starting portfolio, annual withdrawal, return path, years
Coast FIRE Calculator
When can I stop contributing and still retire on time?
$150,000 saved, $500 a month, 7% real, $1.5M target
Age 41
when your balance overtakes the amount needed to coast, and saving becomes optional.
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Current savings, monthly contribution, target, return, retirement age
Lump Sum vs Dollar-Cost Averaging
Should I invest it all at once or spread it out?
$60,000 invested at once or spread over 12 months
$2,282
ahead after 11 years for the lump sum, in a market rising steadily at 7%.
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Amount, spread period, market path
Real Return Calculator
What is my return actually worth after inflation, fees and tax?
8% nominal, 3% inflation, 0.5% fee, 15% tax
3.3%
is what is left in purchasing power. Less than half the headline number.
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Nominal return, inflation, fee, tax, starting amount, contribution
Compound Interest Calculator
What will this grow to?
$5,000 start, $300 a month, 7%, 25 years
$271,649
from $95,000 contributed. The rest is compounding.
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Starting amount, contribution, return, years
These work on any numbers you give them. If you want the same rigour applied to a specific company, computed from its filings, that is what the screener and the stock pages do. The method behind every figure is documented on the methodology page.