Growing what you have
Saving, investing and retirement calculators
Project compound interest, investment growth and retirement savings, and see how much the return and inflation assumptions move a long-horizon result.
Saving, investing and retirement calculators
37 calculators
Any country
United States
India
About these calculators
These tools project forward rather than backward. They take what is saved now, what is added regularly, a return assumption, and a time horizon, and compound them.
The assumption matters more than the arithmetic. A projection is only as good as the return and inflation figures it is given, and small changes to either move a long-horizon result substantially — which is why the calculators below expose those inputs rather than hiding a default inside the result.
Which tool answers what
| Calculator | What it estimates |
|---|---|
| Compound Interest Calculator | See how savings could build over time from compounding and regular contributions, using the rate you enter. An educational estimate, not a forecast. |
| Investment Return Calculator | See how an investment could grow from your starting amount, contributions, and the return rate you enter. An estimate for learning, not a forecast. |
| Retirement Calculator | See what your savings could add up to by retirement, and how far that is from your target. An educational estimate based on the numbers you enter. |
| 401(k) Calculator | 401(k) calculator with employer match and the 2026 limits: see your balance at retirement in today’s dollars, how much match you leave on the table, what fees cost, and whether Roth or traditional leaves you more after tax. |
| Roth IRA Calculator | Roth IRA calculator for 2026: how much you can contribute at your income, with the IRS phase-out worked step by step, what the account grows to in today’s dollars, how much you can withdraw early, and Roth vs traditional after tax. |
| RMD Calculator | Required minimum distribution (RMD) calculator: this year’s RMD from the IRS Uniform Lifetime Table, the age you must start (73 or 75 by year of birth), the tax on it, what delaying the first RMD to April 1 does, and a year-by-year projection. |
| CD Calculator | CD calculator: what a certificate of deposit earns from the APY the bank advertises, the interest after tax, the real return after inflation, and what breaking it early would cost you. |
| 529 Calculator | 529 calculator: project a 529 college savings plan against College Board 2025–26 costs, see the share covered, the monthly amount that closes a gap, and how much of a surplus could roll into a Roth IRA. |
| Inflation Calculator | Inflation calculator: what a dollar amount from any year since 1913 is worth today with the official BLS CPI-U, the inflation rate between two years, whether your pay kept up, and what today’s prices will cost in the future. |
| FIRE Calculator | FIRE calculator: your FIRE number and the age you reach it, how much less you need when Social Security covers part of your spending later, your Coast FIRE and Barista FIRE numbers, and the target at each withdrawal rate. |
| Net Worth Calculator | Net worth calculator: assets minus debts, the part you could actually spend, home equity, your debt-to-assets ratio, and how you compare with the Federal Reserve’s median and mean net worth for your age, in today’s dollars. |
| Dividend Calculator | Dividend calculator: the income a portfolio pays and how it grows, reinvesting against taking the cash, the 2026 tax on qualified and ordinary dividends at your income, and how much you need to invest for a monthly dividend income. |
| CAGR Calculator | CAGR calculator: the compound annual growth rate between two values over years or exact dates, the absolute return, the growth after inflation, the doubling time, a benchmark comparison and the true return when money was added along the way. |
| XIRR Calculator | XIRR calculator: the true yearly return on a SIP or on irregular investments and withdrawals, worked the way Excel’s XIRR does, with the return after inflation and what the same cash flows would have made at an FD or index rate. |
| Emergency Fund Calculator | Emergency fund calculator: how many months of essential spending to keep for your income situation, set against how long U.S. unemployment actually lasts, less any unemployment benefit, how long your savings last now and when you will reach the target. |
| Life Insurance Calculator | Life insurance needs calculator: debts, mortgage, education and income in today’s money, less Social Security survivor benefits for your children, savings and existing cover, with the DIME total and 10 times income side by side. |
| Rental Property Calculator | Rental property calculator: NOI, cap rate, cash flow, cash-on-cash return, DSCR and GRM, then depreciation over 27.5 years and the $25,000 passive loss allowance for your after-tax return. |
| Stock Profit Calculator | Stock profit calculator: profit, ROI, break-even price and annualized return, then short- or long-term from your buy and sell dates, 2026 capital gains tax on your income, and how much waiting would save. |
| Rule of 72 Calculator | Rule of 72 calculator: years to double at any return by the rule and exactly, what a fund fee and today’s 3.4% inflation do to it, the rate needed to double in your time, and how fast inflation halves your money. |
| Savings Goal Calculator | Savings goal calculator: the monthly amount to reach your goal at your APY, at the 0.37% national average and at 0%, a goal in today’s prices grown for inflation, and how long your monthly amount takes. |
| Savings Rate Calculator | Savings rate calculator: your savings as a share of gross and take-home pay, with 401(k) contributions and the match, against the 4.1% U.S. personal saving rate, and the years to financial independence it implies. |
| Social Security Calculator | Social Security calculator: your monthly benefit at every claiming age from 62 to 70 with the 2026 formula, break-even ages, the spousal top-up, what the earnings test withholds and how much of the benefit is taxable. |
| Savings Bond Calculator | Savings bond calculator: what a Series I or EE savings bond is worth, worked from the TreasuryDirect rates for every six months, with the penalty for cashing before five years, the EE doubling at 20 years and the return you have earned. |
| How Long Will My Money Last | How long will my money last calculator: the age your savings run out with rising withdrawals, a bad first year, Social Security or a pension from a later age, the chance of living that long and the withdrawal that lasts to 95. |
| FERS Pension Calculator | FERS pension calculator: your federal annuity from high-3 and service with the 1.1% and MRA+10 rules, sick leave, the survivor cost in dollars, the FERS supplement after its earnings test, the FERS COLA and a table of every retirement age. |
| APY Calculator | APY and high-yield savings account calculator: what your savings grow to with monthly deposits, the interest after tax, the real return after inflation, and how much more you earn than at the national average savings rate. |
| Financial Calculator | Online financial calculator that works like a BA II Plus: solve for N, I/Y, PV, PMT or FV with P/Y, C/Y and payments at the beginning or end, see the equation and the matching Excel formula, and get a plain-English warning when the cash-flow signs cannot work. |
| PPF Calculator | Work out what a Public Provident Fund account reaches over 15, 20 or 25 years at the current 7.1% rate, with interest computed the way the scheme actually does it: monthly, on the lowest balance between the 5th and month end, credited each 31 March. See what late deposits cost. |
| SIP Calculator | Systematic investment plan (SIP) calculator: see what a monthly SIP grows to, with an optional yearly step-up and lump sum, the corpus in today’s money, and what you keep after capital gains tax. Every assumption is shown. |
| FD Calculator | Fixed deposit (FD) calculator: maturity value and interest with quarterly compounding as banks use it, simple interest for deposits of up to 6 months, monthly or quarterly payouts, TDS, interest after tax and the real return after inflation. |
| RD Calculator | Recurring deposit (RD) calculator: maturity value with each monthly instalment compounded quarterly the way banks and the Post Office do it, a year-by-year schedule, TDS, interest after tax and the real value after inflation. |
| NSC Calculator | NSC calculator: the maturity value of a National Savings Certificate at the rate of the quarter you bought it, interest year by year, the Section 80C deduction on reinvested interest and your return after tax in the old or new regime. |
| SWP Calculator | SWP calculator: monthly withdrawals from a mutual fund, the corpus left or the month it runs out, a yearly step-up, and the tax on the gains in each withdrawal for equity and debt funds under the 2024 capital-gains rules. |
| Lumpsum Calculator | Lumpsum and mutual fund calculator: what a one-time investment grows to after the fund’s expense ratio, the regular vs direct plan difference, the tax on redemption, the value in today’s money and how it compares with a SIP. |
| Sukanya Samriddhi Yojana Calculator | Sukanya Samriddhi Yojana calculator: SSY maturity with the actual rates since 2014 for accounts already open, the 8.2% rate ahead, how much depositing by 5 April adds, and the education withdrawal at 18. |
| EPF Calculator | Project your Employees’ Provident Fund balance at retirement from basic pay, with the employer’s 8.33% EPS diversion (capped at ₹1,250), VPF, yearly increments and interest computed monthly on the running balance at the declared 8.25%. Year-by-year table with CSV export. |
| NPS Calculator | Project your National Pension System corpus from monthly contributions at a return you choose, then apply the exit rules: at least 20% to an annuity (40% for government subscribers), up to 80% as a lump sum, 60% of the corpus tax-free, and the monthly pension the annuity buys at the rate you enter. Year-by-year table. |
Common questions
How does compounding actually work?
Compounding means returns are calculated on the accumulated balance, including returns already earned, rather than on the original amount alone. Because the balance grows, the amount each period is calculated on grows too, which is why the effect is more pronounced over longer horizons.
How much difference does the return assumption make?
A great deal over a long horizon, because the assumed rate is applied repeatedly. This is why these are projections rather than predictions: changing the rate by a small amount changes a multi-decade result by a large one. Testing more than one rate shows the spread.
Why do these tools ask about inflation separately?
A projected balance in future currency is not the same as what it buys. Separating an inflation assumption from the return assumption lets a result be read in present-day terms, which is the more useful figure when the horizon is measured in decades.
What does contributing monthly change?
Regular contributions add new principal that then compounds for whatever time remains, so a contribution made early compounds for longer than an identical one made later. The calculators model a starting balance and recurring contributions separately for that reason.
Other decisions
What do I actually take home?
Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.
Can I buy this home?
Estimate home affordability, mortgage payments, down payment, loan-to-value, and closing costs.
How do I manage or improve my existing mortgage?
See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.
Should I refinance or use home equity?
Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.
What will this loan cost me?
Estimate payment, APR, repayment schedule and total loan cost for personal, auto and student loans, and compare two offers on the same basis.
How do I get out of debt?
Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.
Does the business make money?
Find the break-even point, price for a margin or a markup, measure a return over its holding period, and set a freelance rate from the hours you can actually bill.
What do these health measurements mean?
Use browser-only screening tools with visible formulas, limitations, medical sources, and review dates.
What is the everyday answer, worked properly?
Percentages, fractions and units; tips, discounts and fuel; dates, ages and time; grades and GPA — each one stating the convention it applied rather than hiding it.