Free investing calculators
Ten 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, nothing saved.
Dividends and income
What a holding pays you per payment, per month and per year, how much capital an income goal needs, and what reinvesting every payment adds over a long holding period.
Dividend Calculator
How much dividend income will my investment pay?
$25,000 at a 4% yield, paid quarterly
$1,000
a year, or $250 a quarter. Reinvested, with 5% dividend growth and $200 a month added, it pays $3,884 a year by year 10.
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Investment, yield, payments per year, dividend growth, monthly addition, years
Dividend Reinvestment Calculator
What does reinvesting my dividends actually add?
$10,000 at a 3% yield, 6% dividend growth, 5% price growth, 20 years
$49,154
against $37,569 if you had spent the dividends instead. Reinvesting adds $11,586.
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Initial investment, dividend yield, dividend growth, price growth, years
Reaching retirement
Four questions about the same journey: the number that makes you independent and when you reach it, when you can stop saving, how much you need if part-time work continues, and what you can safely withdraw once you stop.
FIRE Calculator
When can I retire early?
$40,000 a year spending, $50,000 saved at 30, $1,500 a month, 6% real
Age 52
when the portfolio reaches $1,000,000, the 25 times spending that a 4% withdrawal rate needs.
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Annual spending, savings, monthly saving, real return, withdrawal rate, age
Coast FIRE Calculator
When can I stop contributing and still retire on time?
$150,000 saved at 34, $500 a month, 7% real, $1.5M target at 65
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
Barista FIRE Calculator
How much do I need if part-time work covers some of my costs?
$50,000 expenses, $20,000 part-time, $200,000 saved, $500 a month, 7% real, from 35
Age 51
when $750,000 covers the remaining $30,000 gap at a 4% withdrawal rate.
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Annual expenses, part-time income, savings, monthly contribution, return, age
Safe Withdrawal Rate Calculator
How much can I take out each year without running out?
$1,000,000, 4% withdrawals, 4% real return, 30 years
5.5%
is the highest rate that lasts the full 30 years. At 4% you finish with $910,264 still invested.
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Portfolio value, withdrawal rate, real return, years in retirement
Valuing and tracking stocks
What a business is worth from the cash it produces, set against the price, and what a trade actually returned once fees and dividends are counted.
DCF Calculator
What is a business worth, based on the cash it produces?
$1B free cash flow growing 10% then 6%, 9% discount rate, $2B net debt, 500M shares
$44.62
per share. Against a $40 price that is a 10% margin of safety, and 59% of the value comes from the terminal value.
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Free cash flow, two growth rates, terminal growth, discount rate, net cash, shares, price
Stock Profit Calculator
How much did I make or lose on this trade?
100 shares bought at $50, sold at $65 two years later, $5 fees each way, $1.20 of dividends
$1,610
profit, a 32.2% return or 15.0% a year. The break-even sale price was $48.90.
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Shares, buy price, sell price, fees, dividends per share, years held
Growing the money
What compounding actually produces over a lifetime of saving, and what a fund fee quietly removes from the same balance.
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
Expense Ratio Calculator
What does my fund's expense ratio actually cost me?
$10,000 plus $500 a month for 30 years, 7% return, 1% fee
$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
Which one do you need?
If you want to know when you could stop working, start with the FIRE calculator: it gives you the number and the age. If you are asking whether you can ease off saving, Coast FIRE is the earlier milestone, usually reached long before people expect. If you already know you want to drop to part-time work, Barista FIRE gives you the smaller number that assumes some earned income continues.
If you are close to stopping work altogether, the safe withdrawal rate tool answers how much you can take. Plan below the ceiling it finds rather than at it, because a bad first few years does more damage than the same bad years later on.
If you invest for income, the dividend calculator turns a yield into money per month and tells you what an income goal needs, and dividend reinvestment shows what a rising income adds on top. If you pick individual shares, the DCF calculator estimates what a business is worth against its price, and the stock profit calculator tells you what a trade really returned. Compound interest and the expense ratio calculator cover the rest: what saving produces, and what a percentage-of-assets fee removes from it.
Why these ask for a real return
Most of these calculators want a return after inflation, and a target expressed in today's money. Mixing the two is the most common error in retirement arithmetic, and it always flatters the result: a nominal return compounded against a present-day target quietly assumes prices never rise.
Five to seven percent is the range most people use for a globally diversified equity portfolio after inflation, based on long-run history. It is an assumption rather than a promise. The honest way to use any of these is to run your preferred number, then run it again a couple of points lower, and plan around the second answer.
What these do not do
None of them model tax, and tax changes the answer materially in a taxable account. None of them model a market that moves in anything other than a straight line, which is the main reason to treat every answer here as arithmetic rather than a forecast.
Every tool states its own assumptions and limitations on the page, above the fold rather than in a footnote, because a calculator that hides its assumptions is worse than no calculator. If a figure here disagrees with one you have seen elsewhere, the assumptions are almost always the reason, and ours are written down.
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.