Personal Finance · 16 calculators
Grow lump sums and monthly investments, estimate returns, CAGR, fees and inflation-adjusted growth.
Investment & Savings
Visualise investment growth year by year with increasing annual contributions (step-up) and compounding returns.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called growth of investment · portfolio growth
Investment & Savings
Compound an investment with your chosen compounding frequency and regular additions to see its future value.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called compound growth investment · compounding investment
Investment & Savings
Future value of a one-time lump sum investment compounded annually or monthly, with the total gain.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called one time investment · lumpsum calculator
Investment & Savings
SIP calculator: future value of fixed monthly investments with expected annual returns and optional yearly step-up.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called sip calculator · systematic investment plan
Investment & Savings
Savings growth with deposits that rise each year as your income grows, compounded monthly.
FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (mo…
Also called growing savings · increasing deposits
Investment & Savings
How much to save each month to reach a goal by a target date, accounting for what you already have and interest earned.
PMT = (Goal − P(1 + r)ⁿ)·r / ((1 + r)ⁿ − …
Also called savings target · how much to save per month
Investment & Savings
Future value (FV) of a present sum and a series of periodic payments at a given rate — ordinary annuity or annuity due.
FV = PV(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r
Also called fv calculator · future value of annuity
Investment & Savings
Present value (PV) of a future amount and of an annuity — what a future sum is worth today at a discount rate.
PV = FV / (1 + r)ⁿ + PMT·(1 − (1 + r)⁻ⁿ)/r
Also called pv calculator · discounted value
Investment & Savings
Compound annual growth rate (CAGR) between a beginning and ending value over any number of years.
CAGR = (End / Start)^(1/years) − 1
Also called compound annual growth rate · cagr formula
Investment & Savings
Convert a total return over any holding period (days, months or years) into an equivalent annual return.
Annualized = (1 + total)^(1/years) − 1
Also called annualised return · annual return from total
Investment & Savings
Weighted return of a portfolio from each holding’s allocation and return, plus each asset’s contribution.
Rₚ = Σ wᵢ·Rᵢ
Also called weighted portfolio return · asset allocation return
Investment & Savings
Average cost per share across multiple buys (averaging down or up), total shares and break-even price.
Average = Σ(shares × price) ÷ Σ shares
Also called average down calculator · average cost per share
Investment & Savings
Annual, quarterly and monthly dividend income from your shares and the dividend per share or yield.
Income = shares × dividend per share
Also called dividend income calculator · annual dividend
Investment & Savings
Dividend yield: annual dividends per share as a percentage of the current share price.
Yield = annual dividend ÷ price × 100
Also called dividend yield · yield calculator
Investment & Savings
How much an expense ratio or advisory fee costs you over time — the drag on your final balance in money and percent.
Net return ≈ gross return − annual fee
Also called expense ratio calculator · fund fee impact
Investment & Savings
Inflation-adjusted (real) rate of return from a nominal return and inflation, using the exact Fisher equation.
(1 + real) = (1 + nominal) / (1 + inflati…
Also called inflation adjusted return · real rate of return
| Investment Growth | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
|---|---|
| Compound Investment | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
| Lump Sum Investment | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
| Recurring Investment (SIP) | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
| Savings Growth | FV = P(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r (monthly periods) |
| Savings Goal | PMT = (Goal − P(1 + r)ⁿ)·r / ((1 + r)ⁿ − 1) |
| Future Value | FV = PV(1 + r)ⁿ + PMT·((1 + r)ⁿ − 1)/r |
| Present Value | PV = FV / (1 + r)ⁿ + PMT·(1 − (1 + r)⁻ⁿ)/r |
| CAGR | CAGR = (End / Start)^(1/years) − 1 |
| Annualized Return | Annualized = (1 + total)^(1/years) − 1 |